Data as of Nov 12, 2026.
Embed
Free to use with the credit link. It updates every trading night.
Overlap
<iframe src="https://etfiq.com/embed/overlap/hysa-vs-schd/" title="ETFIQ HYSA vs SCHD comparison" width="100%" height="300" loading="lazy" style="border:0;max-width:600px"></iframe>
<p>Data: <a href="https://etfiq.com/compare/any/hysa-vs-schd">ETFIQ HYSA vs SCHD comparison</a></p>HYSA vs SCHD: Differences, Returns & Fees
Return, fees and overlap, side by side.
Risk and return
Sep 29, 2023 to Nov 6, 2026 · 162 weekly returnsFrom Sep 2023 to Nov 2026, SCHD returned more: +66.4% to +24.4%. HYSA swung less: 5.2% to 12.9%. HYSA fell less at its worst: −3.4% to −12.8%.
Full scorecard
9 measures Open ↓
| Measure | HYSA | SCHD | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +24.4% | +66.4% | SCHD | Price change plus distributions, reinvested. |
| Annualized | +7.3% | +17.7% | SCHD | Total return as a yearly rate. |
| Price return | 0.0% | +49.1% | SCHD | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 5.2% | 12.9% | HYSA | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 3.2% | 8.8% | HYSA | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −3.4% | −12.8% | HYSA | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.51 | 0.98 | SCHD | Return above Treasury bills per unit of volatility. |
| Sortino | 0.83 | 1.45 | SCHD | Return above Treasury bills per unit of downside deviation. |
| Calmar | 2.13 | 1.38 | HYSA | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 162 weekly returns. Cash rate: the 13-week Treasury bill.
Pair scorecard
SCHD costs 0.49 points a year less; their one-year returns differ by 35.9 points.
| Measure | HYSA | SCHD |
|---|---|---|
| Return | ||
| Total return, 1 year | +0.9% | +36.8% |
| Benchmark | ||
| What it tracks | No index, actively managed | Dow Jones U.S. Dividend 100 Index |
| Cost and size | ||
| Expense ratio | 0.55% | 0.06% |
| Net assets, HYSA as of Jul 31, 2026 and SCHD as of Aug 31, 2026 | $65m | $112.3bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 94% | |
| Top ten holdings, share of the fund | 41.7% | |
What they share
By the books each fund has filed, HYSA and SCHD hold 0% of their money in the same securities at the same weight. Holdings dated Jul 31, 2026 and Aug 31, 2026.
half
0% in common
Only in one fund ↓
Side by side
HYSA and SCHD on the fields both publish, as of Nov 12, 2026. Source: ETFIQ.
Client brief:
The two-page PDF for this pair is coming. Save the comparison to follow its changes. Free. It needs an email sign-in, once.
HYSA
HYSA is actively managed and tracks no index. Over the year to Nov 12, 2026 it returned +0.9% with distributions reinvested. The prospectus expense ratio is 0.55% a year.
SCHD
SCHD tracks an index of US dividend. Over the year to Nov 12, 2026 it returned +36.8% with distributions reinvested. The prospectus expense ratio is 0.06% a year. By its holdings filed for Aug 31, 2026, 94% of the fund by weight is stocks the S&P 500 also holds, across 99 positions, with the top ten at 41.7%.
Questions people ask
- Which returned more over the last year, HYSA or SCHD?
- In the year to Nov 12, 2026, with distributions reinvested, HYSA returned +0.9% and SCHD +36.8%.
- Which is cheaper, HYSA or SCHD?
- SCHD is cheaper, by 0.49 percentage points a year. That is about $49 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
Cite this pageCitation, APA and Markdown
ETFIQ, HYSA against SCHD, data as of Nov 12, 2026. https://etfiq.com/compare/any/hysa-vs-schd
ETFIQ. (Nov 12, 2026). HYSA against SCHD. Retrieved from https://etfiq.com/compare/any/hysa-vs-schd
[HYSA against SCHD (ETFIQ, Nov 12, 2026)](https://etfiq.com/compare/any/hysa-vs-schd)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.
Net assets: $65m on Jul 31, 2026 for BondBloxx USD High Yield Bond Sector Rotation ETF, and $112.3bn on Aug 31, 2026 for Schwab U.S. Dividend Equity ETF.
HYSA and SCHD
Total return, distributions reinvested, 1 year.
HYSA +0.9%, SCHD +36.8%: SCHD +35.9 pts ahead, 1 year, Nov 12, 2025 to Nov 12, 2026.