NTSI vs SCHD
WisdomTree International Efficient Core Fund vs Schwab US Dividend Equity ETF
Which is better, NTSI or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. NTSI is less concentrated, with 21.5% 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 | NTSI | SCHD |
|---|---|---|
| Expense Ratio | 0.26% | 0.06%Best |
| AUM | $476M | $111.6B |
| Dividend Yield | 3.14% | 3.24% |
| Holdings | 466 | 206 |
| YTD Return | +4.28% | +24.55%Best |
| 1Y Return | +9.28% | +29.85%Best |
| 3Y Return (annualized) | +16.10% | +16.64%Best |
| 5Y Return (annualized) | +5.34% | +9.54%Best |
| Volatility (annualized) | 16.2% | 14.7%Best |
| Max Drawdown | -34.0% | -16.9%Best |
| $10,000 over 5 years | $12,971 | $15,771Best |
| Top 10 Weight | 21.5%Best | 41.6% |
| Fund Family | WisdomTree Investments | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | May 20, 2021 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: May 20, 2021 to Oct 14, 2026 (5.4 years).
NTSI 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 5.4 years both funds cover.
NTSI vs SCHD Performance
WisdomTree International Efficient Core Fund (NTSI) is an ETF from WisdomTree Investments and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year NTSI returned +9.28% while SCHD returned +29.85%. Year to date, NTSI is up 4.28% versus a gain of 24.55% for SCHD.
Over three years, NTSI compounded at +16.10% per year against +16.64% for SCHD; over five years the annualized figures are +5.34% and +9.54% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
NTSI has been the more volatile fund, with annualized monthly volatility of 16.2% compared with 14.7% 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 -34.0% for NTSI and -16.9% 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
NTSI charges 0.26% per year while SCHD charges 0.06%. On a $10,000 position that is $26 vs $6 annually, a gap of $20 per year that compounds over a long holding period. On income, NTSI currently yields 3.14% against 3.24% for SCHD.
Holdings Overlap
1.0% of NTSI's money is in holdings SCHD also owns. 4.2% of SCHD's money is in holdings NTSI also owns.
SCHD and NTSI share little of their money.
2 positions in common, counted across the 443 positions we hold weights for in NTSI and 98 in SCHD, against full books of 466 and 206.
What only one of them owns
Our book lists 95 positions for SCHD that do not appear in our book for NTSI (95.5% of the fund), and 9 for NTSI that do not appear in SCHD (10.6%).
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.
You are not choosing between two funds in isolation.
Whichever of NTSI 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, NTSI or SCHD?
NTSI has an expense ratio of 0.26% while SCHD charges 0.06%. SCHD is the cheaper option, by $20 a year on a $10,000 investment.
Which performed better, NTSI or SCHD?
Over the past year NTSI returned +9.28% vs +29.85% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, NTSI or SCHD?
NTSI has been the more volatile fund at 16.2% annualized versus 14.7% for SCHD. Worst drawdown: NTSI -34.0% vs SCHD -16.9%.
Should I hold both NTSI and SCHD?
NTSI and SCHD have a monthly-return correlation of 0.74, 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 NTSI and SCHD?
4.2% of SCHD's money is in holdings NTSI also owns. 4.2% of SCHD's is in holdings NTSI also owns. They hold 2 positions in common, counted across the 443 positions we hold weights for in NTSI and 98 in SCHD.
Which pays a higher dividend, NTSI or SCHD?
NTSI yields 3.14% while SCHD yields 3.24%, so SCHD currently pays the higher dividend yield.
Is SCHD better than NTSI?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. NTSI is less concentrated, with 21.5% 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.