SCHD vs YNOT
SCHD vs YNOT
Schwab US Dividend Equity ETF vs Horizon Digital Frontier ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. YNOT offers more diversification with 102 holdings.
Side-by-Side Comparison
| Metric | SCHD | YNOT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.75% | |
| AUM | $103.7B | $130M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 105 | |
| YTD Return | +24.08% | +15.41% | |
| 1Y Return | +31.88% | +25.81% | |
| 3Y Return (annualized) | +14.92% | - | |
| 5Y Return (annualized) | +9.85% | - | |
| Volatility (annualized) | 13.6% | 24.9% | |
| Max Drawdown | -33.4% | -17.3% | |
| Fund Family | Charles Schwab Asset Management | Horizon Funds | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jul 9, 2025 |
SCHD vs YNOT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Horizon Digital Frontier ETF (YNOT) is a ETF from Horizon Funds. Over the past year SCHD returned +31.88% while YNOT returned +25.81%. Year to date, SCHD is up 24.08% versus a gain of 15.41% for YNOT.
Risk: Volatility and Drawdowns
YNOT has been the more volatile fund, with annualized monthly volatility of 24.9% 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 -17.3% for YNOT. 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 0.01. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while YNOT charges 0.75%. On a $10,000 position that is $6 vs $75 annually, a gap of $69 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.00% for YNOT.
Holdings Overlap
SCHD and YNOT share 0 holdings out of 202 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 YNOT?
SCHD has an expense ratio of 0.06% while YNOT charges 0.75%. SCHD is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, SCHD or YNOT?
Over the past year SCHD returned +31.88% vs +25.81% for YNOT, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.39% vs +28.66% for YNOT. Past performance does not guarantee future results.
Which is riskier, SCHD or YNOT?
YNOT has been the more volatile fund at 24.9% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs YNOT -17.3%.
Should I hold both SCHD and YNOT?
SCHD and YNOT have a monthly-return correlation of 0.01, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and YNOT?
SCHD and YNOT share 0 common holdings with a 0.0% weight overlap. Combined, they hold 202 unique securities.
Which pays a higher dividend, SCHD or YNOT?
SCHD yields 3.31% while YNOT yields 0.00%, so SCHD currently pays the higher dividend yield.
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