SCHD vs THY
Schwab US Dividend Equity ETF vs Toews Agility Shares Dynamic Tactical Income ETF
Which is better, SCHD or THY?
Large Cap Value against Multi Alternative.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window.
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 | SCHD | THY |
|---|---|---|
| Expense Ratio | 0.06%Best | 1.04% |
| AUM | $111.6B | $88M |
| Dividend Yield | 3.24% | 5.29% |
| Holdings | 206 | 7 |
| YTD Return | +24.55%Best | -0.29% |
| 1Y Return | +29.85%Best | -0.16% |
| 3Y Return (annualized) | +16.64%Best | +5.01% |
| 5Y Return (annualized) | +9.54%Best | +1.63% |
| Volatility (annualized) | 15.3% | 4.0%Best |
| Max Drawdown | -16.9% | -8.6%Best |
| $10,000 over 5 years | $15,771Best | $10,842 |
| Fund Family | Charles Schwab Asset Management | TOEWS Funds |
| Category | Equity | Alternative |
| Style | Large Cap Value | Multi Alternative |
| Inception | Oct 20, 2011 | Jun 25, 2020 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jun 25, 2020 to Oct 14, 2026 (6.3 years).
SCHD vs THY 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SCHD vs THY Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Toews Agility Shares Dynamic Tactical Income ETF (THY) is an ETF from TOEWS Funds. Over the past year SCHD returned +29.85% while THY returned -0.16%. Year to date, SCHD is up 24.55% versus a loss of 0.29% for THY.
Over three years, SCHD compounded at +16.64% per year against +5.01% for THY; over five years the annualized figures are +9.54% and +1.63% respectively. Across the full 6-year window we track, SCHD has the edge at +14.96% annualized vs +1.50%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 4.0% for THY. 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 -16.9% for SCHD and -8.6% for THY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.61. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while THY charges 1.04%. On a $10,000 position that is $6 vs $104 annually, a gap of $98 per year that compounds over a long holding period. On income, SCHD currently yields 3.24% against 5.29% for THY.
You are not choosing between two funds in isolation.
Whichever of SCHD and THY 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, SCHD or THY?
SCHD has an expense ratio of 0.06% while THY charges 1.04%. SCHD is the cheaper option, by $98 a year on a $10,000 investment.
Which performed better, SCHD or THY?
Over the past year SCHD returned +29.85% vs -0.16% for THY, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), SCHD annualized +14.96% vs +1.50% for THY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or THY?
SCHD has been the more volatile fund at 15.3% annualized versus 4.0% for THY. Worst drawdown: SCHD -16.9% vs THY -8.6%.
Should I hold both SCHD and THY?
SCHD and THY have a monthly-return correlation of 0.61, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or THY?
SCHD yields 3.24% while THY yields 5.29%, so THY currently pays the higher dividend yield.
Is THY better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.