SCHD vs UCC
SCHD vs UCC
Schwab US Dividend Equity ETF vs ProShares Ultra Consumer Discretionary
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | UCC | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.95% | |
| AUM | $103.7B | $10M | |
| Dividend Yield | 3.31% | 1.24% | |
| Holdings | 104 | 52 | |
| YTD Return | +24.26% | -2.64% | |
| 1Y Return | +31.38% | +6.24% | |
| 3Y Return (annualized) | +15.08% | +13.53% | |
| 5Y Return (annualized) | +9.72% | +0.04% | |
| Volatility (annualized) | 13.6% | 36.1% | |
| Max Drawdown | -33.4% | -83.3% | |
| Fund Family | Charles Schwab Asset Management | ProShares | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Jan 30, 2007 |
SCHD vs UCC Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and ProShares Ultra Consumer Discretionary (UCC) is a ETF from ProShares. Over the past year SCHD returned +31.38% while UCC returned +6.24%. Year to date, SCHD is up 24.26% versus a loss of 2.64% for UCC.
Over three years, SCHD compounded at +15.08% per year against +13.53% for UCC; over five years the annualized figures are +9.72% and +0.04% respectively. Across the full 15-year window we track, UCC has the edge at +13.22% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UCC has been the more volatile fund, with annualized monthly volatility of 36.1% 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 -83.3% for UCC. 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while UCC charges 0.95%. On a $10,000 position that is $6 vs $95 annually, a gap of $89 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 1.24% for UCC.
Holdings Overlap
SCHD and UCC share 4 holdings out of 143 unique holdings combined, representing a 5.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
Frequently Asked Questions
Which is cheaper, SCHD or UCC?
SCHD has an expense ratio of 0.06% while UCC charges 0.95%. SCHD is the cheaper option. On a $10,000 investment, that is $89 per year of difference.
Which performed better, SCHD or UCC?
Over the past year SCHD returned +31.38% vs +6.24% for UCC, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.39% vs +13.22% for UCC. Past performance does not guarantee future results.
Which is riskier, SCHD or UCC?
UCC has been the more volatile fund at 36.1% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs UCC -83.3%.
Should I hold both SCHD and UCC?
SCHD and UCC have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and UCC?
SCHD and UCC share 4 common holdings with a 5.4% weight overlap. Combined, they hold 143 unique securities.
Which pays a higher dividend, SCHD or UCC?
SCHD yields 3.31% while UCC yields 1.24%, so SCHD currently pays the higher dividend yield.
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