SCHD vs XCLR
SCHD vs XCLR
Schwab US Dividend Equity ETF vs Global X S&P 500 Collar 95-110 ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XCLR offers more diversification with 460 holdings.
Side-by-Side Comparison
| Metric | SCHD | XCLR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.25% | |
| AUM | $103.7B | $4M | |
| Dividend Yield | 3.31% | 12.80% | |
| Holdings | 104 | 509 | |
| YTD Return | +24.26% | +5.19% | |
| 1Y Return | +31.38% | +11.53% | |
| 3Y Return (annualized) | +15.08% | +13.72% | |
| 5Y Return (annualized) | +9.72% | +7.91% | |
| Volatility (annualized) | 13.6% | 10.9% | |
| Max Drawdown | -33.4% | -14.6% | |
| Fund Family | Charles Schwab Asset Management | Global X by mirae Asset | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Aug 25, 2021 |
SCHD vs XCLR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Global X S&P 500 Collar 95-110 ETF (XCLR) is a ETF from Global X by mirae Asset. Over the past year SCHD returned +31.38% while XCLR returned +11.53%. Year to date, SCHD is up 24.26% versus a gain of 5.19% for XCLR.
Over three years, SCHD compounded at +15.08% per year against +13.72% for XCLR; over five years the annualized figures are +9.72% and +7.91% respectively. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +7.91%. 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 10.9% for XCLR. 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 -14.6% for XCLR. 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XCLR 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 12.80% for XCLR.
Holdings Overlap
SCHD and XCLR share 43 holdings out of 517 unique holdings combined, representing a 13.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in XCLR | Difference |
|---|---|---|---|
| UNH | 4.54% | 1.79% | 2.75% |
| HD | 4.16% | 1.36% | 2.80% |
| PG | 4.15% | 1.36% | 2.79% |
| KO | Pro | Pro | Pro |
| MRK | Pro | Pro | Pro |
| CVX | Pro | Pro | Pro |
| ABT | Pro | Pro | Pro |
| AMGN | Pro | Pro | Pro |
| TXN | Pro | Pro | Pro |
| PEP | Pro | Pro | Pro |
See all 10 holdings SCHD shares with XCLR 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 XCLR?
SCHD has an expense ratio of 0.06% while XCLR 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 XCLR?
Over the past year SCHD returned +31.38% vs +11.53% for XCLR, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), SCHD annualized +11.39% vs +7.91% for XCLR. Past performance does not guarantee future results.
Which is riskier, SCHD or XCLR?
SCHD has been the more volatile fund at 13.6% annualized versus 10.9% for XCLR. Worst drawdown: SCHD -33.4% vs XCLR -14.6%.
Should I hold both SCHD and XCLR?
SCHD and XCLR have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XCLR?
SCHD and XCLR share 43 common holdings with a 13.2% weight overlap. Combined, they hold 517 unique securities.
Which pays a higher dividend, SCHD or XCLR?
SCHD yields 3.31% while XCLR yields 12.80%, so XCLR currently pays the higher dividend yield.
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