SCHD vs UITB
SCHD vs UITB
Schwab US Dividend Equity ETF vs VictoryShares Core Intermediate Bond ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. UITB offers more diversification with 1016 holdings.
Side-by-Side Comparison
| Metric | SCHD | UITB | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.25% | |
| AUM | $103.7B | $2.7B | |
| Dividend Yield | 3.31% | 4.17% | |
| Holdings | 104 | 1,143 | |
| YTD Return | +24.08% | +0.08% | |
| 1Y Return | +31.88% | +2.23% | |
| 3Y Return (annualized) | +14.92% | +4.52% | |
| 5Y Return (annualized) | +9.85% | +0.11% | |
| Volatility (annualized) | 13.6% | 5.5% | |
| Max Drawdown | -33.4% | -17.0% | |
| Fund Family | Charles Schwab Asset Management | Victory Capital Management Inc. | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Oct 24, 2017 |
SCHD vs UITB Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and VictoryShares Core Intermediate Bond ETF (UITB) is a ETF from Victory Capital Management Inc.. Over the past year SCHD returned +31.88% while UITB returned +2.23%. Year to date, SCHD is up 24.08% versus a gain of 0.08% for UITB.
Over three years, SCHD compounded at +14.92% per year against +4.52% for UITB; over five years the annualized figures are +9.85% and +0.11% respectively. Across the full 9-year window we track, SCHD has the edge at +11.39% annualized vs +1.15%. 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 5.5% for UITB. 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 -17.0% for UITB. 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while UITB 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 4.17% for UITB.
Holdings Overlap
SCHD and UITB share 0 holdings out of 1116 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 UITB?
SCHD has an expense ratio of 0.06% while UITB 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 UITB?
Over the past year SCHD returned +31.88% vs +2.23% for UITB, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), SCHD annualized +11.39% vs +1.15% for UITB. Past performance does not guarantee future results.
Which is riskier, SCHD or UITB?
SCHD has been the more volatile fund at 13.6% annualized versus 5.5% for UITB. Worst drawdown: SCHD -33.4% vs UITB -17.0%.
Should I hold both SCHD and UITB?
SCHD and UITB have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and UITB?
SCHD and UITB share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1116 unique securities.
Which pays a higher dividend, SCHD or UITB?
SCHD yields 3.31% while UITB yields 4.17%, so UITB currently pays the higher dividend yield.
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