SCHD vs XNAV
SCHD vs XNAV
Schwab US Dividend Equity ETF vs FundX Aggressive ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | XNAV | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.27% | |
| AUM | $103.7B | $30M | |
| Dividend Yield | 3.31% | 0.48% | |
| Holdings | 104 | 23 | |
| YTD Return | +23.31% | +12.24% | |
| 1Y Return | +30.42% | +27.80% | |
| 3Y Return (annualized) | +14.66% | +19.61% | |
| 5Y Return (annualized) | +9.59% | - | |
| Volatility (annualized) | 13.6% | 16.7% | |
| Max Drawdown | -33.4% | -24.3% | |
| Fund Family | Charles Schwab Asset Management | FundX Funds | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Oct 14, 2022 |
SCHD vs XNAV Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and FundX Aggressive ETF (XNAV) is a ETF from FundX Funds. Over the past year SCHD returned +30.42% while XNAV returned +27.80%. Year to date, SCHD is up 23.31% versus a gain of 12.24% for XNAV.
Over three years, SCHD compounded at +14.66% per year against +19.61% for XNAV. Across the full 4-year window we track, XNAV has the edge at +20.26% annualized vs +11.34%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XNAV has been the more volatile fund, with annualized monthly volatility of 16.7% 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 -24.3% for XNAV. 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XNAV charges 1.27%. On a $10,000 position that is $6 vs $127 annually, a gap of $121 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.48% for XNAV.
Holdings Overlap
SCHD and XNAV share 0 holdings out of 122 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 XNAV?
SCHD has an expense ratio of 0.06% while XNAV charges 1.27%. SCHD is the cheaper option. On a $10,000 investment, that is $121 per year of difference.
Which performed better, SCHD or XNAV?
Over the past year SCHD returned +30.42% vs +27.80% for XNAV, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.34% vs +20.26% for XNAV. Past performance does not guarantee future results.
Which is riskier, SCHD or XNAV?
XNAV has been the more volatile fund at 16.7% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XNAV -24.3%.
Should I hold both SCHD and XNAV?
SCHD and XNAV have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XNAV?
SCHD and XNAV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 122 unique securities.
Which pays a higher dividend, SCHD or XNAV?
SCHD yields 3.31% while XNAV yields 0.48%, so SCHD currently pays the higher dividend yield.
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