SCHD vs TGRT
SCHD vs TGRT
Schwab US Dividend Equity ETF vs T. Rowe Price Growth ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. TGRT offers more diversification with 162 holdings.
Side-by-Side Comparison
| Metric | SCHD | TGRT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.38% | |
| AUM | $103.7B | $1.5B | |
| Dividend Yield | 3.31% | 0.07% | |
| Holdings | 104 | 347 | |
| YTD Return | +23.02% | +3.83% | |
| 1Y Return | +30.75% | +10.69% | |
| 3Y Return (annualized) | +14.89% | +21.30% | |
| 5Y Return (annualized) | +9.38% | - | |
| Volatility (annualized) | 13.6% | 16.3% | |
| Max Drawdown | -33.4% | -22.0% | |
| Fund Family | Charles Schwab Asset Management | T.Rowe Price | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jun 14, 2023 |
SCHD vs TGRT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and T. Rowe Price Growth ETF (TGRT) is a ETF from T.Rowe Price. Over the past year SCHD returned +30.75% while TGRT returned +10.69%. Year to date, SCHD is up 23.02% versus a gain of 3.83% for TGRT.
Over three years, SCHD compounded at +14.89% per year against +21.30% for TGRT. Across the full 3-year window we track, TGRT has the edge at +20.86% annualized vs +11.33%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TGRT has been the more volatile fund, with annualized monthly volatility of 16.3% compared with 13.6% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -22.0% for TGRT. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.26. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TGRT charges 0.38%. On a $10,000 position that is $6 vs $38 annually, a gap of $32 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.07% for TGRT.
Holdings Overlap
SCHD and TGRT share 0 holdings out of 262 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or TGRT?
SCHD has an expense ratio of 0.06% while TGRT charges 0.38%. SCHD is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, SCHD or TGRT?
Over the past year SCHD returned +30.75% vs +10.69% for TGRT, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.33% vs +20.86% for TGRT. Past performance does not guarantee future results.
Which is riskier, SCHD or TGRT?
TGRT has been the more volatile fund at 16.3% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs TGRT -22.0%.
Should I hold both SCHD and TGRT?
SCHD and TGRT have a monthly-return correlation of 0.26, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TGRT?
SCHD and TGRT share 0 common holdings with a 0.0% weight overlap. Combined, they hold 262 unique securities.
Which pays a higher dividend, SCHD or TGRT?
SCHD yields 3.31% while TGRT yields 0.07%, so SCHD currently pays the higher dividend yield.
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