SCHD vs TOTR
SCHD vs TOTR
Schwab US Dividend Equity ETF vs T. Rowe Price Total Return ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. TOTR offers more diversification with 579 holdings.
Side-by-Side Comparison
| Metric | SCHD | TOTR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.31% | |
| AUM | $103.7B | $574M | |
| Dividend Yield | 3.31% | 5.31% | |
| Holdings | 104 | 1,222 | |
| YTD Return | +23.53% | -0.15% | |
| 1Y Return | +30.95% | +2.36% | |
| 3Y Return (annualized) | +14.72% | +4.50% | |
| 5Y Return (annualized) | +9.56% | - | |
| Volatility (annualized) | 13.6% | 6.6% | |
| Max Drawdown | -33.4% | -19.6% | |
| Fund Family | Charles Schwab Asset Management | T.Rowe Price | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Sep 28, 2021 |
SCHD vs TOTR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and T. Rowe Price Total Return ETF (TOTR) is a ETF from T.Rowe Price. Over the past year SCHD returned +30.95% while TOTR returned +2.36%. Year to date, SCHD is up 23.53% versus a loss of 0.15% for TOTR.
Over three years, SCHD compounded at +14.72% per year against +4.50% for TOTR. Across the full 5-year window we track, SCHD has the edge at +11.35% annualized vs -0.43%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 6.6% for TOTR. 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 -19.6% for TOTR. 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TOTR charges 0.31%. On a $10,000 position that is $6 vs $31 annually, a gap of $25 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 5.31% for TOTR.
Holdings Overlap
SCHD and TOTR share 0 holdings out of 679 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 TOTR?
SCHD has an expense ratio of 0.06% while TOTR charges 0.31%. SCHD is the cheaper option. On a $10,000 investment, that is $25 per year of difference.
Which performed better, SCHD or TOTR?
Over the past year SCHD returned +30.95% vs +2.36% for TOTR, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), SCHD annualized +11.35% vs -0.43% for TOTR. Past performance does not guarantee future results.
Which is riskier, SCHD or TOTR?
SCHD has been the more volatile fund at 13.6% annualized versus 6.6% for TOTR. Worst drawdown: SCHD -33.4% vs TOTR -19.6%.
Should I hold both SCHD and TOTR?
SCHD and TOTR have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TOTR?
SCHD and TOTR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 679 unique securities.
Which pays a higher dividend, SCHD or TOTR?
SCHD yields 3.31% while TOTR yields 5.31%, so TOTR currently pays the higher dividend yield.
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