SCHD vs USRT
SCHD vs USRT
Schwab US Dividend Equity ETF vs iShares Core US REIT ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. USRT offers more diversification with 127 holdings.
Side-by-Side Comparison
| Metric | SCHD | USRT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.08% | |
| AUM | $103.7B | $4.7B | |
| Dividend Yield | 3.31% | 2.56% | |
| Holdings | 104 | 130 | |
| YTD Return | +23.02% | +20.11% | |
| 1Y Return | +30.75% | +24.12% | |
| 3Y Return (annualized) | +14.89% | +13.01% | |
| 5Y Return (annualized) | +9.38% | +5.25% | |
| Volatility (annualized) | 13.6% | 21.6% | |
| Max Drawdown | -33.4% | -72.9% | |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | May 1, 2007 |
SCHD vs USRT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and iShares Core US REIT ETF (USRT) is a ETF from iShares by BlackRock (US). Over the past year SCHD returned +30.75% while USRT returned +24.12%. Year to date, SCHD is up 23.02% versus a gain of 20.11% for USRT.
Over three years, SCHD compounded at +14.89% per year against +13.01% for USRT; over five years the annualized figures are +9.38% and +5.25% respectively. Across the full 15-year window we track, SCHD has the edge at +11.33% annualized vs +2.49%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USRT has been the more volatile fund, with annualized monthly volatility of 21.6% 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 -72.9% for USRT. 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 USRT charges 0.08%. On a $10,000 position that is $6 vs $8 annually, a gap of $2 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 2.56% for USRT.
Holdings Overlap
SCHD and USRT share 0 holdings out of 227 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 USRT?
SCHD has an expense ratio of 0.06% while USRT charges 0.08%. SCHD is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, SCHD or USRT?
Over the past year SCHD returned +30.75% vs +24.12% for USRT, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.33% vs +2.49% for USRT. Past performance does not guarantee future results.
Which is riskier, SCHD or USRT?
USRT has been the more volatile fund at 21.6% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs USRT -72.9%.
Should I hold both SCHD and USRT?
SCHD and USRT 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 USRT?
SCHD and USRT share 0 common holdings with a 0.0% weight overlap. Combined, they hold 227 unique securities.
Which pays a higher dividend, SCHD or USRT?
SCHD yields 3.31% while USRT yields 2.56%, so SCHD currently pays the higher dividend yield.
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