SCHD vs XHYI
SCHD vs XHYI
Schwab US Dividend Equity ETF vs BondBloxx USD High Yield Bond Industrial Sector ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. XHYI offers more diversification with 435 holdings.
Side-by-Side Comparison
| Metric | SCHD | XHYI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.35% | |
| AUM | $103.7B | $8M | |
| Dividend Yield | 3.31% | 6.51% | |
| Holdings | 104 | 496 | |
| YTD Return | +23.53% | +0.15% | |
| 1Y Return | +30.95% | +6.16% | |
| 3Y Return (annualized) | +14.72% | +7.78% | |
| 5Y Return (annualized) | +9.56% | - | |
| Volatility (annualized) | 13.6% | 7.5% | |
| Max Drawdown | -33.4% | -11.0% | |
| Fund Family | Charles Schwab Asset Management | BondBloxx | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Feb 15, 2022 |
SCHD vs XHYI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and BondBloxx USD High Yield Bond Industrial Sector ETF (XHYI) is a ETF from BondBloxx. Over the past year SCHD returned +30.95% while XHYI returned +6.16%. Year to date, SCHD is up 23.53% versus a gain of 0.15% for XHYI.
Over three years, SCHD compounded at +14.72% per year against +7.78% for XHYI. Across the full 4-year window we track, SCHD has the edge at +11.35% annualized vs +5.18%. 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 7.5% for XHYI. 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 -11.0% for XHYI. 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 XHYI 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 6.51% for XHYI.
Holdings Overlap
SCHD and XHYI share 0 holdings out of 535 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 XHYI?
SCHD has an expense ratio of 0.06% while XHYI 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 XHYI?
Over the past year SCHD returned +30.95% vs +6.16% for XHYI, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.35% vs +5.18% for XHYI. Past performance does not guarantee future results.
Which is riskier, SCHD or XHYI?
SCHD has been the more volatile fund at 13.6% annualized versus 7.5% for XHYI. Worst drawdown: SCHD -33.4% vs XHYI -11.0%.
Should I hold both SCHD and XHYI?
SCHD and XHYI 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 XHYI?
SCHD and XHYI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 535 unique securities.
Which pays a higher dividend, SCHD or XHYI?
SCHD yields 3.31% while XHYI yields 6.51%, so XHYI currently pays the higher dividend yield.
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