SCHD vs USOI
Schwab US Dividend Equity ETF vs ETRACS Crude Oil Shares Covered Call ETN
Which is better, SCHD or USOI?
Large Cap Value against Energy.
SCHD has a lower expense ratio. SCHD led over 3Y and the full window, USOI over 1Y and 5Y.
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 | USOI |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.85% |
| AUM | $111.6B | $245M |
| Dividend Yield | 3.24% | 48.53% |
| Holdings | 206 | - |
| YTD Return | +24.55% | +51.07%Best |
| 1Y Return | +29.85% | +53.83%Best |
| 3Y Return (annualized) | +16.64%Best | +11.97% |
| 5Y Return (annualized) | +9.54% | +13.56%Best |
| Volatility (annualized) | 15.8%Best | 30.4% |
| Max Drawdown | -33.4%Best | -87.2% |
| $10,000 over 5 years | $15,771 | $18,885Best |
| Fund Family | Charles Schwab Asset Management | UBS AG |
| Category | Equity | Commodity |
| Style | Large Cap Value | Energy |
| Inception | Oct 20, 2011 | Apr 25, 2017 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Apr 26, 2017 to Oct 14, 2026 (9.5 years).
SCHD vs USOI 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 9.5 years both funds cover.
SCHD vs USOI Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and ETRACS Crude Oil Shares Covered Call ETN (USOI) is an ETF from UBS AG. Over the past year SCHD returned +29.85% while USOI returned +53.83%. Year to date, SCHD is up 24.55% versus a gain of 51.07% for USOI.
Over three years, SCHD compounded at +16.64% per year against +11.97% for USOI; over five years the annualized figures are +9.54% and +13.56% respectively. Across the full 10-year window we track, SCHD has the edge at +11.30% annualized vs -6.50%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
USOI has been the more volatile fund, with annualized monthly volatility of 30.4% compared with 15.8% 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 -87.2% for USOI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.39. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while USOI charges 0.85%. On a $10,000 position that is $6 vs $85 annually, a gap of $79 per year that compounds over a long holding period. On income, SCHD currently yields 3.24% against 48.53% for USOI.
You are not choosing between two funds in isolation.
Whichever of SCHD and USOI 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 USOI?
SCHD has an expense ratio of 0.06% while USOI charges 0.85%. SCHD is the cheaper option, by $79 a year on a $10,000 investment.
Which performed better, SCHD or USOI?
Over the past year SCHD returned +29.85% vs +53.83% for USOI, so USOI leads on 1-year performance. Over the longest common window we track (10 years), SCHD annualized +11.30% vs -6.50% for USOI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or USOI?
USOI has been the more volatile fund at 30.4% annualized versus 15.8% for SCHD. Worst drawdown: SCHD -33.4% vs USOI -87.2%.
Should I hold both SCHD and USOI?
SCHD and USOI have a monthly-return correlation of 0.39, 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 USOI?
SCHD yields 3.24% while USOI yields 48.53%, so USOI currently pays the higher dividend yield.
Is USOI better than SCHD?
SCHD has a lower expense ratio. SCHD led over 3Y and the full window, USOI over 1Y and 5Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.