Which returned more over the last year, SCHD or SPY?

In the year to Sep 4, 2026, with distributions reinvested, SCHD returned +30.3% and SPY returned +20.0%, so SCHD returned more. One year is one year; the longer windows are in the table.

How much do SCHD and SPY overlap with the S&P 500?

By their latest filed holdings, 95% of SCHD and 100% of SPY by weight is stocks the S&P 500 already holds.

Data as of Sep 4, 2026. Both funds on the fields they both publish, from the same sources.

SCHD vs SPY

Name: ETFIQ comparison of SCHD and SPY
Creator: ETFIQ
License: https://etfiq.com/standards/

Schwab U.S. Dividend Equity ETF and SPDR S&P 500 ETF Trust.

SCHD and SPY on the fields both publish, as of Sep 4, 2026. Source: ETFIQ.
	SCHD Schwab U.S. Dividend Equity ETF	SPY SPDR S&P 500 ETF Trust
Where it sits	Core fund	Core fund
Issuer	Schwab	State Street
What it is	US dividend	S&P 500, book from IVV
Total return, 1 year	+30.3%	+20.0%
S&P 500 over the same days	+20.0%	+20.0%
Gap to the S&P 500	+10.3 pts	+0.0 pts
Expense ratio	0.06%	not published
Already in the S&P 500	95.1%	100.0%
Holdings	99	504

SCHD in plain words

SCHD is a index equity fund tracking US dividend. Over the year to Sep 4, 2026 it returned +30.3% with distributions reinvested, against +20.0% for the S&P 500 and +25.6% for the Nasdaq-100. The prospectus expense ratio is 0.06% a year. By its holdings filed for May 31, 2026, 95% of the fund by weight is stocks the S&P 500 also holds, across 99 positions, with the top ten at 43.7%.

SPY in plain words

SPY is a index equity fund tracking S&P 500, book from IVV. Over the year to Sep 4, 2026 it returned +20.0% with distributions reinvested, against +20.0% for the S&P 500 and +25.6% for the Nasdaq-100. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 504 positions, with the top ten at 36.4%.

Questions people ask

Which returned more over the last year, SCHD or SPY?: In the year to Sep 4, 2026, with distributions reinvested, SCHD returned +30.3% and SPY returned +20.0%, so SCHD returned more. One year is one year; the longer windows are in the table.
How much do SCHD and SPY overlap with the S&P 500?: By their latest filed holdings, 95% of SCHD and 100% of SPY by weight is stocks the S&P 500 already holds.

Other comparisons

Where to next

Cite this page. ETFIQ, SCHD against SPY, data as of Sep 4, 2026. https://etfiq.com/compare/any/SCHD-SPY.html Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. ETFIQ publishes the same fields for every fund and suggests no allocation. Standards and sources