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SCHD vs SDY: Performance & Backtest Comparison
SCHD delivered the higher return - 12.94% CAGR vs 11.28% - over 2011-11-30 → 2026-07-31.
Growth comparison
Drawdown
Annual returns
| SCHD | SDY | |
|---|---|---|
| Name | Schwab US Dividend Equity ETF | State Street SPDR S&P Dividend ETF |
| CAGR | 12.94% | 11.28% |
| Total return | 502.24% | 383.68% |
| Volatility | 13.46% | 13.28% |
| Max drawdown | -21.54%Mar 2020 | -25.08%Mar 2020 |
| Sharpe | 0.86 | 0.75 |
| Sortino | 1.25 | 1.07 |
| Best year | 32.89% | 30.07% |
| Worst year | -5.56% | -2.74% |
| Final balance | $60,224 | $48,368 |
Correlation of monthly returns: 0.94. Wondering if you need both? Check their fund overlap →
All figures are total returns: every dividend and distribution is reinvested on its ex-date, and prices are split-adjusted. See the methodology.
Frequently asked questions
Which has performed better, SCHD or SDY?
Over 2011-11-30 to 2026-07-31, SCHD performed better: 12.94% annualized versus 11.28% for SDY, with dividends reinvested. Past performance does not guarantee future results.
How similar are SCHD and SDY?
Their monthly returns have a correlation of 0.94 over the common period. SCHD is Schwab US Dividend Equity ETF; SDY is State Street SPDR S&P Dividend ETF.
Which is riskier, SCHD or SDY?
Over the common period SCHD had 13.46% annualized volatility and a -21.54% max drawdown, versus 13.28% and -25.08% for SDY.