SCHD vs XHYC
SCHD vs XHYC
Schwab US Dividend Equity ETF vs BondBloxx USD High Yield Bond Consumer Cyclicals Sector ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XHYC offers more diversification with 243 holdings.
Side-by-Side Comparison
| Metric | SCHD | XHYC | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $103.7B | $3M | |
| Dividend Yield | 3.31% | 6.57% | |
| Holdings | 104 | 271 | |
| YTD Return | +23.31% | +0.72% | |
| 1Y Return | +30.42% | +6.77% | |
| 3Y Return (annualized) | +14.66% | +8.33% | |
| 5Y Return (annualized) | +9.59% | - | |
| Volatility (annualized) | 13.6% | 8.0% | |
| Max Drawdown | -33.4% | -13.7% | |
| Fund Family | Charles Schwab Asset Management | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Feb 15, 2022 |
SCHD vs XHYC Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and BondBloxx USD High Yield Bond Consumer Cyclicals Sector ETF (XHYC) is a ETF from BondBloxx. Over the past year SCHD returned +30.42% while XHYC returned +6.77%. Year to date, SCHD is up 23.31% versus a gain of 0.72% for XHYC.
Over three years, SCHD compounded at +14.66% per year against +8.33% for XHYC. Across the full 4-year window we track, SCHD has the edge at +11.34% annualized vs +4.77%. 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 8.0% for XHYC. 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 -13.7% for XHYC. 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while XHYC charges 0.35%. On a $10,000 position that is $6 vs $35 annually, a gap of $29 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 6.57% for XHYC.
Holdings Overlap
SCHD and XHYC share 0 holdings out of 343 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 XHYC?
SCHD has an expense ratio of 0.06% while XHYC charges 0.35%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, SCHD or XHYC?
Over the past year SCHD returned +30.42% vs +6.77% for XHYC, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.34% vs +4.77% for XHYC. Past performance does not guarantee future results.
Which is riskier, SCHD or XHYC?
SCHD has been the more volatile fund at 13.6% annualized versus 8.0% for XHYC. Worst drawdown: SCHD -33.4% vs XHYC -13.7%.
Should I hold both SCHD and XHYC?
SCHD and XHYC have a monthly-return correlation of 0.70, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XHYC?
SCHD and XHYC share 0 common holdings with a 0.0% weight overlap. Combined, they hold 343 unique securities.
Which pays a higher dividend, SCHD or XHYC?
SCHD yields 3.31% while XHYC yields 6.57%, so XHYC currently pays the higher dividend yield.
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