4UBQ.DE vs. SCHD
4UBQ.DE (UBS ETF (IE) S&P 500 ESG UCITS ETF USD Acc) and SCHD (Schwab U.S. Dividend Equity ETF) are both exchange-traded funds - 4UBQ.DE is a S&P 500 fund tracking the S&P 500 ESG, while SCHD is a Dividend fund tracking the Dow Jones U.S. Dividend 100 Index. Both are passively managed. Over the past 5 years, 4UBQ.DE returned 15.51%/yr vs 9.51%/yr for SCHD. At a 0.38 correlation, their price movements are largely independent. 4UBQ.DE charges 0.10%/yr vs 0.06%/yr for SCHD.
Performance
4UBQ.DE vs. SCHD - Performance Comparison
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Different Trading Currencies
4UBQ.DE is traded in EUR, while SCHD is traded in USD. To make them comparable, the SCHD values have been converted to EUR using the latest available exchange rates.
Returns By Period
In the year-to-date period, 4UBQ.DE achieves a 11.15% return, which is significantly lower than SCHD's 21.18% return.
4UBQ.DE
- 1D
- 0.58%
- 1M
- 4.20%
- YTD
- 11.15%
- 6M
- 11.13%
- 1Y
- 28.46%
- 3Y*
- 18.50%
- 5Y*
- 15.51%
- 10Y*
- —
SCHD
- 1D
- 0.00%
- 1M
- 4.12%
- YTD
- 21.18%
- 6M
- 20.10%
- 1Y
- 27.16%
- 3Y*
- 12.35%
- 5Y*
- 9.51%
- 10Y*
- 12.49%
4UBQ.DE vs. SCHD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
4UBQ.DE UBS ETF (IE) S&P 500 ESG UCITS ETF USD Acc | 11.15% | 5.39% | 31.02% | 24.03% | -13.92% | 43.62% | 8.66% |
SCHD Schwab U.S. Dividend Equity ETF | 21.08% | -8.04% | 19.03% | 1.41% | 2.74% | 39.59% | 17.41% |
Correlation
The correlation between 4UBQ.DE and SCHD is 0.14, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.14 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.27 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.37 |
Correlation (All Time) Calculated using the full available price history since Jul 13, 2020 | 0.38 |
Over the past year, the correlation between 4UBQ.DE and SCHD has dropped to 0.14 - well below their long-term average of 0.38, suggesting their price drivers have been diverging.
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Return for Risk
4UBQ.DE vs. SCHD — Risk / Return Rank
4UBQ.DE
SCHD
4UBQ.DE vs. SCHD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for UBS ETF (IE) S&P 500 ESG UCITS ETF USD Acc (4UBQ.DE) and Schwab U.S. Dividend Equity ETF (SCHD). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| 4UBQ.DE | SCHD | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.13 | ||
| Sortino ratioReturn per unit of downside risk | -0.10 | ||
| Omega ratioGain probability vs. loss probability | 1.46 | 1.41 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 4.10 | 6.57 | -2.46 |
| Martin ratioReturn relative to average drawdown | 15.73 | 15.77 | -0.04 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| 4UBQ.DE | SCHD | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.47 | 2.34 | +0.13 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 1.00 | 0.65 | +0.35 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.72 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.11 | 0.89 | +0.22 |
Drawdowns
4UBQ.DE vs. SCHD - Drawdown Comparison
The maximum 4UBQ.DE drawdown since its inception was -23.35%, smaller than the maximum SCHD drawdown of -32.28%. Use the drawdown chart below to compare losses from any high point for 4UBQ.DE and SCHD.
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Drawdown Indicators
| 4UBQ.DE | SCHD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -23.35% | -32.28% | +8.93% |
Max Drawdown (1Y)Largest decline over 1 year | -6.93% | -4.15% | -2.78% |
Max Drawdown (3Y)Largest decline over 3 years | -23.35% | -21.40% | -1.95% |
Max Drawdown (5Y)Largest decline over 5 years | -23.35% | -21.40% | -1.95% |
Max Drawdown (10Y)Largest decline over 10 years | — | -32.28% | — |
Current DrawdownCurrent decline from peak | 0.00% | -0.85% | +0.85% |
Average DrawdownAverage peak-to-trough decline | -4.02% | -4.43% | +0.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.81% | 1.73% | +0.08% |
Volatility
4UBQ.DE vs. SCHD - Volatility Comparison
UBS ETF (IE) S&P 500 ESG UCITS ETF USD Acc (4UBQ.DE) and Schwab U.S. Dividend Equity ETF (SCHD) have volatilities of 2.81% and 2.76%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| 4UBQ.DE | SCHD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.81% | 2.76% | +0.05% |
Volatility (6M)Calculated over the trailing 6-month period | 7.61% | 8.44% | -0.83% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.53% | 11.67% | -0.14% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.27% | 14.59% | +0.68% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.39% | 17.44% | -2.05% |
4UBQ.DE vs. SCHD - Expense Ratio Comparison
4UBQ.DE has a 0.10% expense ratio, which is higher than SCHD's 0.06% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
4UBQ.DE vs. SCHD - Dividend Comparison
4UBQ.DE has not paid dividends to shareholders, while SCHD's dividend yield for the trailing twelve months is around 3.27%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
4UBQ.DE UBS ETF (IE) S&P 500 ESG UCITS ETF USD Acc | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SCHD Schwab U.S. Dividend Equity ETF | 3.27% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
Frequently Asked Questions
4UBQ.DE and SCHD have a correlation of 0.14, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, SCHD is cheaper at 0.06% per year. The better choice depends on whether you care most about return, fees, risk, or income.
SCHD is cheaper with a 0.06% expense ratio, compared with 0.10% for 4UBQ.DE.
4UBQ.DE is categorized as S&P 500, while SCHD is Dividend. 4UBQ.DE tracks S&P 500 ESG, while SCHD tracks Dow Jones U.S. Dividend 100 Index. They also come from different issuers: UBS and Charles Schwab. Their fees differ too: 0.10% for 4UBQ.DE and 0.06% for SCHD.
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