SCHD vs UCRD
SCHD vs UCRD
Schwab US Dividend Equity ETF vs VictoryShares Corporate Bond ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. UCRD offers more diversification with 389 holdings.
Side-by-Side Comparison
| Metric | SCHD | UCRD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.40% | |
| AUM | $103.7B | $148M | |
| Dividend Yield | 3.31% | 4.18% | |
| Holdings | 104 | 476 | |
| YTD Return | +24.08% | +0.29% | |
| 1Y Return | +31.88% | +2.68% | |
| 3Y Return (annualized) | +14.92% | +5.60% | |
| 5Y Return (annualized) | +9.85% | - | |
| Volatility (annualized) | 13.6% | 8.4% | |
| Max Drawdown | -33.4% | -22.1% | |
| Fund Family | Charles Schwab Asset Management | Victory Capital Management Inc. | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Oct 4, 2021 |
SCHD vs UCRD Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and VictoryShares Corporate Bond ETF (UCRD) is a ETF from Victory Capital Management Inc.. Over the past year SCHD returned +31.88% while UCRD returned +2.68%. Year to date, SCHD is up 24.08% versus a gain of 0.29% for UCRD.
Over three years, SCHD compounded at +14.92% per year against +5.60% for UCRD. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +0.17%. 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 8.4% for UCRD. 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 -22.1% for UCRD. 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while UCRD charges 0.40%. On a $10,000 position that is $6 vs $40 annually, a gap of $34 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 4.18% for UCRD.
Holdings Overlap
SCHD and UCRD share 0 holdings out of 489 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 UCRD?
SCHD has an expense ratio of 0.06% while UCRD charges 0.40%. SCHD is the cheaper option. On a $10,000 investment, that is $34 per year of difference.
Which performed better, SCHD or UCRD?
Over the past year SCHD returned +31.88% vs +2.68% for UCRD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), SCHD annualized +11.39% vs +0.17% for UCRD. Past performance does not guarantee future results.
Which is riskier, SCHD or UCRD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.4% for UCRD. Worst drawdown: SCHD -33.4% vs UCRD -22.1%.
Should I hold both SCHD and UCRD?
SCHD and UCRD have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and UCRD?
SCHD and UCRD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 489 unique securities.
Which pays a higher dividend, SCHD or UCRD?
SCHD yields 3.31% while UCRD yields 4.18%, so UCRD currently pays the higher dividend yield.
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