KIE vs SCHD
State Street SPDR S&P Insurance ETF vs Schwab US Dividend Equity ETF
Which is better, KIE or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. KIE led over 5Y and the full window, SCHD over 1Y and 3Y. KIE is less concentrated, with 21.4% of the fund in its ten largest positions against 41.6%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | KIE | SCHD |
|---|---|---|
| Expense Ratio | 0.35% | 0.06%Best |
| AUM | $534M | $111.6B |
| Dividend Yield | 1.70% | 3.24% |
| Holdings | 55 | 206 |
| YTD Return | +3.58% | +24.55%Best |
| 1Y Return | +4.11% | +29.85%Best |
| 3Y Return (annualized) | +13.18% | +16.64%Best |
| 5Y Return (annualized) | +10.28%Best | +9.54% |
| Volatility (annualized) | 16.2% | 13.7%Best |
| Max Drawdown | -44.7% | -33.4%Best |
| $10,000 over 5 years | $16,311Best | $15,771 |
| Top 10 Weight | 21.4%Best | 41.6% |
| Fund Family | State Street Investment Management | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Nov 8, 2005 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Oct 14, 2026 (15 years).
KIE vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 15 years both funds cover.
KIE vs SCHD Performance
State Street SPDR S&P Insurance ETF (KIE) is an ETF from State Street Investment Management and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year KIE returned +4.11% while SCHD returned +29.85%. Year to date, KIE is up 3.58% versus a gain of 24.55% for SCHD.
Over three years, KIE compounded at +13.18% per year against +16.64% for SCHD; over five years the annualized figures are +10.28% and +9.54% respectively. Across the full 15-year window we track, KIE has the edge at +12.31% annualized vs +11.26%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
KIE has been the more volatile fund, with annualized monthly volatility of 16.2% compared with 13.7% 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 -44.7% for KIE and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
KIE charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, KIE currently yields 1.70% against 3.24% for SCHD.
Holdings Overlap
10.9% of KIE's money is in holdings SCHD also owns. 2.1% of SCHD's money is in holdings KIE also owns.
KIE and SCHD share little of their money.
6 positions in common, counted across the 54 positions we hold weights for in KIE and 98 in SCHD, against full books of 55 and 206.
What only one of them owns
Our book lists 91 positions for SCHD that do not appear in our book for KIE (97.7% of the fund), and 46 for KIE that do not appear in SCHD (85.1%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
You are not choosing between two funds in isolation.
Whichever of KIE and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, KIE or SCHD?
KIE has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option, by $29 a year on a $10,000 investment.
Which performed better, KIE or SCHD?
Over the past year KIE returned +4.11% vs +29.85% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), KIE annualized +12.31% vs +11.26% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, KIE or SCHD?
KIE has been the more volatile fund at 16.2% annualized versus 13.7% for SCHD. Worst drawdown: KIE -44.7% vs SCHD -33.4%.
Should I hold both KIE and SCHD?
KIE and SCHD have a monthly-return correlation of 0.77, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between KIE and SCHD?
10.9% of KIE's money is in holdings SCHD also owns. 2.1% of SCHD's is in holdings KIE also owns. They hold 6 positions in common, counted across the 54 positions we hold weights for in KIE and 98 in SCHD.
Which pays a higher dividend, KIE or SCHD?
KIE yields 1.70% while SCHD yields 3.24%, so SCHD currently pays the higher dividend yield.
Is SCHD better than KIE?
SCHD has a lower expense ratio. KIE led over 5Y and the full window, SCHD over 1Y and 3Y. KIE is less concentrated, with 21.4% of the fund in its ten largest positions against 41.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.