Compare/Updated Oct 26, 2026, refreshed every trading day
SCHY vs SCHD
Schwab International Dividend Equity ETF against Schwab U.S. Dividend Equity ETF: 4 years of returns, risk and today’s technical read, from Kavout’s own data.
SCHY did better over the full period: $1,000 invested on October 28, 2022 grew to $1,862, versus $1,649 for SCHD, an advantage of 21.3 percentage points. However, the funds were essentially tied over three years, with SCHY returning 67.7% versus SCHD’s 67.2%. SCHD has recently gained more momentum, leading over one month, three months, six months, YTD, and one year. It also had slightly lower 12-month volatility at 11.3% versus SCHY’s 12.2%, but suffered a deeper worst drawdown of 16.1% versus SCHY’s 12.2%. SCHY’s lower correlation with SCHD—0.633, falling to 0.565 over the last 12 months—provides meaningful diversification. SCHD costs less, with a 0.06% expense ratio versus 0.08%, and has much larger assets.
- Price is above its 200-day average ($32); 50-day at $32.
- RSI 66, neutral. Supertrend says buy. ADX 26, so the trend is strong.
- Price is above its 200-day average ($32); 50-day at $34.
- RSI 73, overbought. Supertrend says buy. ADX 33, so the trend is strong.
Head to head
Which has returned more, SCHY or SCHD?
SCHY beat SCHD in 24 of the last 48 months; SCHD won the other 24. The typical monthly gap was 1.66 points.
Total return by period
Which is riskier?
SCHY: Sep 26, 2024 to Jan 13, 2025; SCHD: Nov 29, 2024 to Apr 8, 2025
- 0.633
- correlation of daily moves, 4 years
- 0.58
- SCHY move per 1% in SCHD
- 0.565
- correlation, last 12 months
Month by month
Of the last 48 months. The typical gap was 1.66 points.
When did they diverge?
| Month | SCHY | SCHD | Gap |
|---|---|---|---|
| April 2025 | +3.9% | -7.7% | +11.55 pts |
| October 2024 | -5.9% | +0.2% | -6.09 pts |
| March 2025 | +4.8% | -1.2% | +5.93 pts |
| November 2024 | -1.0% | +4.6% | -5.61 pts |
Where the numbers come from. 1000 daily adjusted closes per fund from the Kavout market-data API, dividends included. Signals and indicators are Kavout’s own, refreshed nightly. Every figure is calculated from those adjusted closes.
Holdings and fees
What do you actually own with SCHY and SCHD?
Go deeper
Ask InvestGPT which one fits your portfolio.
Eight research agents read your holdings, the overlap and the tax side, then answer in plain words. Free accounts get one report a month.
More comparisons
Find another comparison.
Track both, get told when something changes.
Add SCHY and SCHD to a watchlist and Kavout emails you when a signal flips or a price target is hit.
Free account, no card