SCHD vs USVM
SCHD vs USVM
Schwab US Dividend Equity ETF vs VictoryShares US Small Mid Cap Value Momentum ETF
Quick Verdict
SCHD has a lower expense ratio. USVM delivered stronger 1-year returns. USVM offers more diversification with 286 holdings.
Side-by-Side Comparison
| Metric | SCHD | USVM | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.29% | |
| AUM | $103.7B | $1.8B | |
| Dividend Yield | 3.31% | 1.74% | |
| Holdings | 104 | 292 | |
| YTD Return | +23.53% | +21.04% | |
| 1Y Return | +30.95% | +35.26% | |
| 3Y Return (annualized) | +14.72% | +18.98% | |
| 5Y Return (annualized) | +9.56% | +10.99% | |
| Volatility (annualized) | 13.6% | 20.3% | |
| Max Drawdown | -33.4% | -44.1% | |
| Fund Family | Charles Schwab Asset Management | Victory Capital Management Inc. | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Oct 24, 2017 |
SCHD vs USVM Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and VictoryShares US Small Mid Cap Value Momentum ETF (USVM) is a ETF from Victory Capital Management Inc.. Over the past year SCHD returned +30.95% while USVM returned +35.26%. Year to date, SCHD is up 23.53% versus a gain of 21.04% for USVM.
Over three years, SCHD compounded at +14.72% per year against +18.98% for USVM; over five years the annualized figures are +9.56% and +10.99% respectively. Across the full 9-year window we track, SCHD has the edge at +11.35% annualized vs +10.56%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USVM has been the more volatile fund, with annualized monthly volatility of 20.3% 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 -44.1% for USVM. 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while USVM charges 0.29%. On a $10,000 position that is $6 vs $29 annually, a gap of $23 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 1.74% for USVM.
Holdings Overlap
SCHD and USVM share 11 holdings out of 375 unique holdings combined, representing a 1.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in USVM | Difference |
|---|---|---|---|
| ORI | 0.24% | 0.55% | 0.31% |
| DINO | 0.36% | 0.42% | 0.06% |
| OZK | 0.13% | 0.52% | 0.39% |
| FHI | Pro | Pro | Pro |
| APA | Pro | Pro | Pro |
| M | Pro | Pro | Pro |
| NXST | Pro | Pro | Pro |
| WU | Pro | Pro | Pro |
| SWKS | Pro | Pro | Pro |
| CWEN | Pro | Pro | Pro |
See all 10 holdings SCHD shares with USVM Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, SCHD or USVM?
SCHD has an expense ratio of 0.06% while USVM charges 0.29%. SCHD is the cheaper option. On a $10,000 investment, that is $23 per year of difference.
Which performed better, SCHD or USVM?
Over the past year SCHD returned +30.95% vs +35.26% for USVM, so USVM leads on 1-year performance. Over the longest common window we track (9 years), SCHD annualized +11.35% vs +10.56% for USVM. Past performance does not guarantee future results.
Which is riskier, SCHD or USVM?
USVM has been the more volatile fund at 20.3% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs USVM -44.1%.
Should I hold both SCHD and USVM?
SCHD and USVM have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and USVM?
SCHD and USVM share 11 common holdings with a 1.9% weight overlap. Combined, they hold 375 unique securities.
Which pays a higher dividend, SCHD or USVM?
SCHD yields 3.31% while USVM yields 1.74%, so SCHD currently pays the higher dividend yield.
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