USOI vs. SCHD
USOI (Credit Suisse X-Links Crude Oil Shares Covered Call ETN) and SCHD (Schwab U.S. Dividend Equity ETF) are both exchange-traded funds - USOI is a Oil & Gas fund tracking the Credit Suisse NASDAQ WTI Crude Oil FLOWS 106 Index, while SCHD is a Dividend fund tracking the Dow Jones U.S. Dividend 100 Index. Both are passively managed. Over the past year, USOI returned 25.08% vs 31.54% for SCHD. Their 0.11 correlation means their historical movements had little consistent relationship. USOI charges 0.85%/yr vs 0.06%/yr for SCHD.
Performance
USOI vs. SCHD - Performance Comparison
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Returns By Period
In the year-to-date period, USOI achieves a 32.59% return, which is significantly higher than SCHD's 24.03% return.
USOI
- 1D
- 0.37%
- 1M
- 11.52%
- 6M
- 23.29%
- YTD
- 32.59%
- 1Y
- 25.08%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
- ALL TIME*
- 10.84%
SCHD
- 1D
- 0.18%
- 1M
- 3.33%
- 6M
- 14.09%
- YTD
- 24.03%
- 1Y
- 31.54%
- 3Y*
- 14.19%
- 5Y*
- 9.54%
- 10Y*
- 12.76%
- ALL TIME*
- 13.39%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $786.88M | $715.86M | $685.58M | |
| $32.75M | $18.81M | $9.02M |
USOI vs. SCHD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | |
|---|---|---|---|
USOI Credit Suisse X-Links Crude Oil Shares Covered Call ETN | 32.59% | -8.78% | 3.24% |
SCHD Schwab U.S. Dividend Equity ETF | 24.03% | 4.34% | 7.35% |
Correlation
The correlation between USOI and SCHD is 0.08, meaning there was essentially no consistent relationship between their historical price movements. Each responded to its own set of market drivers.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.08 |
Correlation (All Time) Calculated using the full available price history since Jun 3, 2024 | 0.11 |
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Return for Risk
USOI vs. SCHD — Risk / Return Rank
USOI
SCHD
USOI vs. SCHD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Credit Suisse X-Links Crude Oil Shares Covered Call ETN (USOI) 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| USOI | SCHD | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.90 | ||
| Sortino ratioReturn per unit of downside risk | -3.02 | ||
| Omega ratioGain probability vs. loss probability | 1.17 | 1.51 | -0.34 |
| Calmar ratioReturn relative to maximum drawdown | 0.96 | 6.74 | -5.78 |
| Martin ratioReturn relative to average drawdown | 3.00 | 17.01 | -14.01 |
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Drawdowns
USOI vs. SCHD - Drawdown Comparison
The maximum USOI drawdown since its inception was -23.54%, smaller than the maximum SCHD drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for USOI and SCHD.
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Drawdown Indicators
| USOI | SCHD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -23.54% | -33.37% | +9.83% |
Max Drawdown (1Y)Largest decline over 1 year | -23.54% | -4.61% | -18.93% |
Max Drawdown (3Y)Largest decline over 3 years | — | -16.13% | — |
Max Drawdown (5Y)Largest decline over 5 years | — | -16.85% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.37% | — |
Current DrawdownCurrent decline from peak | -14.63% | -1.24% | -13.39% |
Average DrawdownAverage peak-to-trough decline | -7.85% | -3.30% | -4.55% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.10% | 1.82% | +6.28% |
Volatility
USOI vs. SCHD - Volatility Comparison
Credit Suisse X-Links Crude Oil Shares Covered Call ETN (USOI) has a higher volatility of 6.18% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 4.11%. This indicates that USOI's price experiences larger fluctuations and is considered to be riskier than SCHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USOI | SCHD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.18% | 4.11% | +2.07% |
Volatility (6M)Calculated over the trailing 6-month period | 20.39% | 8.11% | +12.28% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.74% | 11.13% | +13.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 23.32% | 14.39% | +8.93% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 23.32% | 16.72% | +6.60% |
USOI vs. SCHD - Expense Ratio Comparison
USOI has a 0.85% expense ratio, which is higher than SCHD's 0.06% expense ratio.
Dividends
USOI vs. SCHD - Dividend Comparison
USOI's dividend yield for the trailing twelve months is around 46.43%, more than SCHD's 3.13% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SCHD Schwab U.S. Dividend Equity ETF | 3.13% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
USOI Credit Suisse X-Links Crude Oil Shares Covered Call ETN | 46.43% | 27.21% | 12.54% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
USOI and SCHD have a correlation of 0.08, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USOI has higher volatility (6.18%) compared to SCHD (4.11%). In terms of maximum drawdown, USOI dropped -23.54% vs SCHD's -33.37%.
On 1-year performance, SCHD leads with 31.54% vs 25.08% for USOI. On fees, SCHD is cheaper at 0.06% per year. On volatility, SCHD has been the lower-risk option at 4.11%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 1-year period, SCHD has performed better with a 31.54% return vs 25.08%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
SCHD is cheaper with a 0.06% expense ratio, compared with 0.85% for USOI.
USOI has the higher dividend yield at 46.43%, compared with 3.13% for SCHD.
USOI is categorized as Oil & Gas, while SCHD is Dividend. USOI tracks Credit Suisse NASDAQ WTI Crude Oil FLOWS 106 Index, while SCHD tracks Dow Jones U.S. Dividend 100 Index. They also come from different issuers: Credit Suisse and Charles Schwab. Their fees differ too: 0.85% for USOI and 0.06% for SCHD.
SCHD currently has the higher Sharpe Ratio (2.81 vs 0.91), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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