SCHD vs USCA
Schwab US Dividend Equity ETF vs Xtrackers MSCI USA Climate Action Equity ETF
Which is better, SCHD or USCA?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, USCA over 3Y and the full window. SCHD is less concentrated, with 41.6% of the fund in its ten largest positions against 45.3%.
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 | USCA |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.07% |
| AUM | $111.6B | $3.6B |
| Dividend Yield | 3.24% | 1.05% |
| Holdings | 206 | 790 |
| YTD Return | +24.55%Best | +10.94% |
| 1Y Return | +29.85%Best | +12.95% |
| 3Y Return (annualized) | +16.64% | +20.34%Best |
| 5Y Return (annualized) | +9.54% | - |
| Volatility (annualized) | 13.8% | 12.5%Best |
| Max Drawdown | -16.1%Best | -19.1% |
| $10,000 over 3.5 years | $15,712 | $19,151Best |
| Top 10 Weight | 41.6%Best | 45.3% |
| Fund Family | Charles Schwab Asset Management | Xtrackers ETFs |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Apr 4, 2023 |
Volatility and max drawdown, and the $10,000 over 3.5 years row, are measured over the window both funds cover: Apr 4, 2023 to Oct 14, 2026 (3.5 years).
SCHD vs USCA 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 3.5 years both funds cover.
SCHD vs USCA Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Xtrackers MSCI USA Climate Action Equity ETF (USCA) is an ETF from Xtrackers ETFs. Over the past year SCHD returned +29.85% while USCA returned +12.95%. Year to date, SCHD is up 24.55% versus a gain of 10.94% for USCA.
Over three years, SCHD compounded at +16.64% per year against +20.34% for USCA. Across the full 4-year window we track, USCA has the edge at +20.40% annualized vs +13.78%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.8% compared with 12.5% for USCA. 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 -16.1% for SCHD and -19.1% for USCA. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.50. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while USCA charges 0.07%. On a $10,000 position that is $6 vs $7 annually, a gap of $1 per year that compounds over a long holding period. On income, SCHD currently yields 3.24% against 1.05% for USCA.
Holdings Overlap
76.9% of SCHD's money is in holdings USCA also owns. 7.2% of USCA's money is in holdings SCHD also owns.
Most of SCHD is already inside USCA. Owning both mostly buys the same companies twice.
34 positions in common, counted across the 98 positions we hold weights for in SCHD and 391 in USCA, against full books of 206 and 790.
What only one of them owns
Our book lists 346 positions for USCA that do not appear in our book for SCHD (91.2% of the fund), and 63 for SCHD that do not appear in USCA (22.8%).
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
| Stock | Weight in SCHD | Weight in USCA | Difference |
|---|---|---|---|
| QCOMQualcomm Inc. | 4.61% | 0.35% | 4.26% |
| PGProcter & Gamble Company | 4.16% | 0.64% | 3.52% |
| KOCoca Cola Co. | 4.12% | 0.64% | 3.48% |
| MRKMerck & Company Inc | 4.04% | 0.66% | 3.38% |
| UNHUnitedhealth Group Incorporated | 3.95% | 0.65% | 3.30% |
| CVXChevron Corp | 4.14% | 0.36% | 3.78% |
| HDHome Depot Inc/The | 3.77% | 0.58% | 3.19% |
| VZVerizon Communic | 3.88% | 0.40% | 3.48% |
| AMGNAmgen Inc. | 3.86% | 0.38% | 3.48% |
| PEPPepsico Inc. | 3.80% | 0.34% | 3.46% |
76.9% of SCHD is already inside USCA.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or USCA?
SCHD has an expense ratio of 0.06% while USCA charges 0.07%. SCHD is the cheaper option, by $1 a year on a $10,000 investment.
Which performed better, SCHD or USCA?
Over the past year SCHD returned +29.85% vs +12.95% for USCA, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +13.78% vs +20.40% for USCA. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or USCA?
SCHD has been the more volatile fund at 13.8% annualized versus 12.5% for USCA. Worst drawdown: SCHD -16.1% vs USCA -19.1%.
Should I hold both SCHD and USCA?
SCHD and USCA have a monthly-return correlation of 0.50, 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 SCHD and USCA?
76.9% of SCHD's money is in holdings USCA also owns. 7.2% of USCA's is in holdings SCHD also owns. They hold 34 positions in common, counted across the 98 positions we hold weights for in SCHD and 391 in USCA.
Which pays a higher dividend, SCHD or USCA?
SCHD yields 3.24% while USCA yields 1.05%, so SCHD currently pays the higher dividend yield.
Is USCA better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, USCA over 3Y and the full window. SCHD is less concentrated, with 41.6% of the fund in its ten largest positions against 45.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.