SCHD vs TUSI
SCHD vs TUSI
Schwab US Dividend Equity ETF vs Touchstone Ultra Short Income ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. TUSI offers more diversification with 119 holdings.
Side-by-Side Comparison
| Metric | SCHD | TUSI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.25% | |
| AUM | $103.7B | $598M | |
| Dividend Yield | 3.31% | 5.15% | |
| Holdings | 104 | 215 | |
| YTD Return | +23.31% | +0.82% | |
| 1Y Return | +30.42% | +2.76% | |
| 3Y Return (annualized) | +14.66% | +4.93% | |
| 5Y Return (annualized) | +9.59% | - | |
| Volatility (annualized) | 13.6% | 0.8% | |
| Max Drawdown | -33.4% | -0.6% | |
| Fund Family | Charles Schwab Asset Management | Touchstone Investments | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Aug 4, 2022 |
SCHD vs TUSI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Touchstone Ultra Short Income ETF (TUSI) is a ETF from Touchstone Investments. Over the past year SCHD returned +30.42% while TUSI returned +2.76%. Year to date, SCHD is up 23.31% versus a gain of 0.82% for TUSI.
Over three years, SCHD compounded at +14.66% per year against +4.93% for TUSI. Across the full 4-year window we track, SCHD has the edge at +11.34% annualized vs +4.81%. 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 0.8% for TUSI. 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 -0.6% for TUSI. 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 0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TUSI charges 0.25%. On a $10,000 position that is $6 vs $25 annually, a gap of $19 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 5.15% for TUSI.
Holdings Overlap
SCHD and TUSI share 0 holdings out of 219 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 TUSI?
SCHD has an expense ratio of 0.06% while TUSI charges 0.25%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, SCHD or TUSI?
Over the past year SCHD returned +30.42% vs +2.76% for TUSI, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.34% vs +4.81% for TUSI. Past performance does not guarantee future results.
Which is riskier, SCHD or TUSI?
SCHD has been the more volatile fund at 13.6% annualized versus 0.8% for TUSI. Worst drawdown: SCHD -33.4% vs TUSI -0.6%.
Should I hold both SCHD and TUSI?
SCHD and TUSI have a monthly-return correlation of 0.08, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TUSI?
SCHD and TUSI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 219 unique securities.
Which pays a higher dividend, SCHD or TUSI?
SCHD yields 3.31% while TUSI yields 5.15%, so TUSI currently pays the higher dividend yield.
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