Data as of Oct 28, 2026.
SCHD vs XYLD: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHD returned +34.5% to XYLD's +15.8%, and SCHD charges 0.06% to XYLD's 0.60%.
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Net assets: $112.3bn on Aug 31, 2026 for Schwab U.S. Dividend Equity ETF, and $3.4bn on Oct 12, 2026 for Global X S&P 500 Covered Call ETF.
Pair scorecard
SCHD costs 0.54 points a year less; their one-year returns differ by 18.7 points.
| Measure | SCHD | XYLD |
|---|---|---|
| Return | ||
| Total return, 1 year | +34.5% | +15.8% |
| Price change, 1 year | rose 30.0% | rose 4.3% |
| Latest payout, annualized | 9.1% | |
| Return of capital, issuer estimate | 93% of the Sep 24, 2026 payment | |
| Against its benchmark | ||
| What it tracks | Dow Jones U.S. Dividend 100 Index | Benchmark: S&P 500, measured through SPY |
| Against its benchmark, same days | ahead by 2.2 pts | |
| Cost and size | ||
| Expense ratio | 0.06% | 0.60% |
| Net assets, SCHD as of Aug 31, 2026 and XYLD as of Oct 12, 2026 | $112.3bn | $3.4bn |
| Holdings | ||
| Holdings in common | 8% | |
| In the S&P 500, by weight | 95% | |
| Top ten holdings, share of the fund | 41.7% | |
Holdings in common uses holdings dated Jul 31, 2026 and Aug 31, 2026. Method
Risk and return
Jul 5, 2013 to Oct 23, 2026 · 694 weekly returnsSCHD returned more: +390.7% to +188.0%. XYLD swung less: 11.9% to 15.2%. SCHD fell slightly less at its worst: −31.5% to −32.6%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | SCHD | XYLD | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +390.7% | +188.0% | SCHD | Price change plus distributions, reinvested. |
| Annualized | +12.7% | +8.2% | SCHD | Total return as a yearly rate. |
| Price return | +219.7% | +2.2% | SCHD | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 15.2% | 11.9% | XYLD | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 10.7% | 9.2% | XYLD | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −31.5% | −32.6% | SCHD (slight) | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.74 | 0.57 | SCHD | Return above Treasury bills per unit of volatility. |
| Sortino | 1.04 | 0.73 | SCHD | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.40 | 0.25 | SCHD | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 694 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, SCHD and XYLD hold 8% of their money in the same securities at the same weight. Holdings dated Jul 31, 2026 and Aug 31, 2026.
half
8% in common
Only in one fund ↓
Side by side
SCHD and XYLD 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 XYLD do different jobs. What does each one do in a portfolio?
- What each follows. SCHD follows Dow Jones U.S. Dividend 100 Index and XYLD is measured against S&P 500 through SPY.
- Holdings in common. 8% of the weight is in the same securities (holdings dated Aug 31, 2026 and Jul 31, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 SCHD returned +34.5% and XYLD +15.8% with distributions reinvested, a gap of 18.7 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%.
XYLD
Over the year to Oct 28, 2026, XYLD paid 10.6% of its starting value in cash distributions while its price rose 4.3%. With every distribution reinvested, the fund returned +15.8%. S&P 500 (SPY) returned +13.6% over the same days, so a holder was ahead by 2.2 pts. At its price on Oct 28, 2026 the latest distribution annualizes to 9.1%, paid monthly. Global X estimates that 93% of the distribution paid Sep 24, 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 XYLD in the same category?
- SCHD is a stock ETF and XYLD 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 XYLD?
- In the year to Oct 28, 2026, with distributions reinvested, SCHD returned +34.5% and XYLD +15.8%.
- Which is cheaper, SCHD or XYLD?
- SCHD is cheaper, by 0.54 percentage points a year. That is about $54 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 XYLD, data as of Oct 28, 2026. https://etfiq.com/compare/any/schd-vs-xyld
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