Data as of Oct 28, 2026.
SCHD vs XDTE: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHD returned +34.5% to XDTE's +13.6%, and SCHD charges 0.06% to XDTE's 0.97%.
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Net assets: $112.3bn on Aug 31, 2026 for Schwab U.S. Dividend Equity ETF, and $322m on Oct 28, 2026 for Roundhill S&P 500 0DTE Covered Call Strategy ETF.
Pair scorecard
SCHD costs 0.91 points a year less; their one-year returns differ by 20.9 points.
| Measure | SCHD | XDTE |
|---|---|---|
| Return | ||
| Total return, 1 year | +34.5% | +13.6% |
| Price change, 1 year | rose 30.0% | fell 14.3% |
| Latest payout, annualized | 15.2% | |
| Return of capital, issuer estimate | 100% of the Oct 23, 2026 payment | |
| Benchmark | ||
| What it tracks | Dow Jones U.S. Dividend 100 Index | Benchmark: S&P 500, measured through SPY |
| Cost and size | ||
| Expense ratio | 0.06% | 0.97% |
| Net assets, SCHD as of Aug 31, 2026 and XDTE as of Oct 28, 2026 | $112.3bn | $322m |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 95% | |
| Top ten holdings, share of the fund | 41.7% | |
Holdings in common uses holdings dated Aug 31, 2026 and Oct 28, 2026. Method
Risk and return
Mar 15, 2024 to Oct 23, 2026 · 136 weekly returnsSCHD returned slightly more: +48.7% to +46.5%. SCHD and XDTE swung about the same: 13.1% and 13.2%. SCHD fell less at its worst: −12.8% to −16.7%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | SCHD | XDTE | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +48.7% | +46.5% | SCHD (slight) | Price change plus distributions, reinvested. |
| Annualized | +16.4% | +15.7% | SCHD (slight) | Total return as a yearly rate. |
| Price return | +34.7% | −27.7% | SCHD | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 13.1% | 13.2% | Tie | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 9.1% | 9.3% | Tie | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −12.8% | −16.7% | SCHD | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.90 | 0.85 | SCHD (slight) | Return above Treasury bills per unit of volatility. |
| Sortino | 1.29 | 1.20 | SCHD (slight) | Return above Treasury bills per unit of downside deviation. |
| Calmar | 1.28 | 0.94 | SCHD | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 136 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, SCHD and XDTE hold 0% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Oct 28, 2026.
half
0% in common
Only in one fund ↓
Side by side
SCHD and XDTE on the fields both publish, as of Oct 28, 2026. Source: ETFIQ. Cash paid: distributions over the window, as a share of the starting price.
SCHD and XDTE do different jobs. What does each one do in a portfolio?
- What each follows. SCHD follows Dow Jones U.S. Dividend 100 Index and XDTE is measured against S&P 500 through SPY.
- Holdings in common. 0% of the weight is in the same securities (holdings dated Aug 31, 2026 and Oct 28, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 SCHD returned +34.5% and XDTE +13.6% with distributions reinvested, a gap of 20.9 points.
Data as of Oct 28, 2026.
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SCHD
SCHD tracks an index of US dividend. Over the year to Oct 28, 2026 it returned +34.5% with distributions reinvested. The prospectus expense ratio is 0.06% a year. By its holdings filed for Aug 31, 2026, 95% of the fund by weight is stocks the S&P 500 also holds, across 99 positions, with the top ten at 41.7%.
XDTE
Over the year to Oct 28, 2026, XDTE paid 25.5% of its starting value in cash distributions while its price fell 14.3%. With every distribution reinvested, the fund returned +13.6%. S&P 500 (SPY) returned +13.6% over the same days, so a holder was about even. At its price on Oct 28, 2026 the latest distribution annualizes to 15.2%, paid weekly. Roundhill estimates that 100% of the distribution paid Oct 23, 2026 was a return of capital (its 19a-1 notice). That is a tax label, not a measure of erosion.
Questions people ask
- Are SCHD and XDTE in the same category?
- SCHD is a stock ETF and XDTE is an option-income ETF, so they do different jobs. The table compares what both publish: return, cost and holdings.
- Which returned more over the last year, SCHD or XDTE?
- In the year to Oct 28, 2026, with distributions reinvested, SCHD returned +34.5% and XDTE +13.6%.
- Which is cheaper, SCHD or XDTE?
- SCHD is cheaper, by 0.91 percentage points a year. That is about $91 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.
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ETFIQ, SCHD against XDTE, data as of Oct 28, 2026. https://etfiq.com/compare/any/schd-vs-xdte
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[SCHD against XDTE (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/schd-vs-xdte)
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