SCHD vs XB
SCHD vs XB
Schwab US Dividend Equity ETF vs BondBloxx B Rated USD High Yield Corporate Bond ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XB offers more diversification with 492 holdings.
Side-by-Side Comparison
| Metric | SCHD | XB | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.30% | |
| AUM | $103.7B | $72M | |
| Dividend Yield | 3.31% | 7.10% | |
| Holdings | 104 | 585 | |
| YTD Return | +24.26% | +2.32% | |
| 1Y Return | +31.38% | +5.42% | |
| 3Y Return (annualized) | +15.08% | +7.89% | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 7.4% | |
| Max Drawdown | -33.4% | -9.3% | |
| Fund Family | Charles Schwab Asset Management | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | May 24, 2022 |
SCHD vs XB Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and BondBloxx B Rated USD High Yield Corporate Bond ETF (XB) is a ETF from BondBloxx. Over the past year SCHD returned +31.38% while XB returned +5.42%. Year to date, SCHD is up 24.26% versus a gain of 2.32% for XB.
Over three years, SCHD compounded at +15.08% per year against +7.89% for XB. Across the full 4-year window we track, SCHD has the edge at +11.39% annualized vs +6.06%. 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 7.4% for XB. 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 -9.3% for XB. 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while XB charges 0.30%. On a $10,000 position that is $6 vs $30 annually, a gap of $24 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 7.10% for XB.
Holdings Overlap
SCHD and XB share 0 holdings out of 592 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 XB?
SCHD has an expense ratio of 0.06% while XB charges 0.30%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, SCHD or XB?
Over the past year SCHD returned +31.38% vs +5.42% for XB, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.39% vs +6.06% for XB. Past performance does not guarantee future results.
Which is riskier, SCHD or XB?
SCHD has been the more volatile fund at 13.6% annualized versus 7.4% for XB. Worst drawdown: SCHD -33.4% vs XB -9.3%.
Should I hold both SCHD and XB?
SCHD and XB have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XB?
SCHD and XB share 0 common holdings with a 0.0% weight overlap. Combined, they hold 592 unique securities.
Which pays a higher dividend, SCHD or XB?
SCHD yields 3.31% while XB yields 7.10%, so XB currently pays the higher dividend yield.
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