XNTK vs. SCHD

Last updated Jul 14, 2026

XNTK (State Street SPDR NYSE Technology ETF) and SCHD (Schwab U.S. Dividend Equity ETF) are both exchange-traded funds - XNTK is a Technology Equities fund tracking the NYSE Technology Index, while SCHD is a Dividend fund tracking the Dow Jones U.S. Dividend 100 Index. Both are passively managed. Over the past 10 years, XNTK returned 24.56%/yr vs 12.34%/yr for SCHD. A 0.57 correlation means they provide meaningful diversification when combined. XNTK charges 0.35%/yr vs 0.06%/yr for SCHD.

Performance

XNTK vs. SCHD - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in State Street SPDR NYSE Technology ETF (XNTK) and Schwab U.S. Dividend Equity ETF (SCHD). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, XNTK achieves a 28.94% return, which is significantly higher than SCHD's 20.66% return. Over the past 10 years, XNTK has outperformed SCHD with an annualized return of 24.56%, while SCHD has yielded a comparatively lower 12.34% annualized return.

XNTK

• 1D: -2.95%
• 1M: -2.95%
• 6M: 24.19%
• YTD: 28.94%
• 1Y: 51.65%
• 3Y*: 35.76%
• 5Y*: 18.39%
• 10Y*: 24.56%

SCHD

• 1D: 0.49%
• 1M: -0.00%
• 6M: 16.13%
• YTD: 20.66%
• 1Y: 23.51%
• 3Y*: 14.13%
• 5Y*: 9.00%
• 10Y*: 12.34%

*Multi-year figures are annualized to reflect compound growth (CAGR)

XNTK vs. SCHD - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
XNTK State Street SPDR NYSE Technology ETF	28.94%	38.06%	23.49%	70.13%	-41.07%	17.63%	73.91%	38.08%	-7.13%	40.37%
SCHD Schwab U.S. Dividend Equity ETF	20.66%	4.34%	11.66%	4.54%	-3.26%	29.87%	15.03%	27.29%	-5.56%	20.85%

Correlation

The correlation between XNTK and SCHD is 0.06, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.06
Correlation (3Y) Calculated over the trailing 3-year period	0.28
Correlation (5Y) Calculated over the trailing 5-year period	0.45
Correlation (10Y) Calculated over the trailing 10-year period	0.51
Correlation (All Time) Calculated using the full available price history since Oct 20, 2011	0.57

Over the past year, the correlation between XNTK and SCHD has dropped to 0.06 - well below their long-term average of 0.57, suggesting their price drivers have been diverging.

XNTK vs. SCHD - Sectors Allocation Comparison

Sectors	XNTK	SCHD
Technology	83.3%	19.4%
Communication Services	8.6%	6.0%
Consumer Cyclical	8.0%	6.7%
Basic Materials	-	1.2%
Consumer Defensive	-	18.5%
Energy	-	14.6%
Financial Services	-	9.1%
Healthcare	-	18.4%
Industrials	-	7.4%
Real Estate	-	-
Utilities	-	0.0%

Return for Risk

XNTK vs. SCHD — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

XNTK

XNTK Risk / Return Rank: 69
XNTK Sharpe Ratio Rank: 73
XNTK Sortino Ratio Rank: 63
XNTK Omega Ratio Rank: 66
XNTK Calmar Ratio Rank: 75
XNTK Martin Ratio Rank: 67

SCHD

SCHD Risk / Return Rank: 86
SCHD Sharpe Ratio Rank: 85
SCHD Sortino Ratio Rank: 90
SCHD Omega Ratio Rank: 82
SCHD Calmar Ratio Rank: 93
SCHD Martin Ratio Rank: 81

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

XNTK vs. SCHD - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for State Street SPDR NYSE Technology ETF (XNTK) 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.

	XNTK	SCHD	Difference
Sharpe ratio: Return per unit of total volatility	1.85	2.17	-0.31
Sortino ratio: Return per unit of downside risk	2.33	3.32	-0.99
Omega ratio: Gain probability vs. loss probability	1.32	1.38	-0.07
Calmar ratio: Return relative to maximum drawdown	3.05	5.12	-2.07
Martin ratio: Return relative to average drawdown	9.62	12.47	-2.85

XNTK vs. SCHD - Sharpe Ratio Comparison

The current XNTK Sharpe Ratio is 1.85, which is comparable to the SCHD Sharpe Ratio of 2.17. The chart below compares the historical Sharpe Ratios of XNTK and SCHD, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

XNTK vs. SCHD - Drawdown Comparison

The maximum XNTK drawdown since its inception was -72.38%, which is greater than SCHD's maximum drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for XNTK and SCHD.

Drawdown Indicators

	XNTK	SCHD	Difference
Max Drawdown Largest peak-to-trough decline	-72.38%	-33.37%	-39.01%
Max Drawdown (1Y) Largest decline over 1 year	-17.00%	-4.61%	-12.39%
Max Drawdown (3Y) Largest decline over 3 years	-28.11%	-16.13%	-11.98%
Max Drawdown (5Y) Largest decline over 5 years	-48.28%	-16.85%	-31.43%
Max Drawdown (10Y) Largest decline over 10 years	-48.28%	-33.37%	-14.91%
Current Drawdown Current decline from peak	-8.36%	-0.03%	-8.33%
Average Drawdown Average peak-to-trough decline	-21.23%	-3.31%	-17.92%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.39%	1.89%	+3.50%

Volatility

XNTK vs. SCHD - Volatility Comparison

State Street SPDR NYSE Technology ETF (XNTK) has a higher volatility of 13.87% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 3.54%. This indicates that XNTK'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.

Volatility by Period

	XNTK	SCHD	Difference
Volatility (1M) Calculated over the trailing 1-month period	13.87%	3.54%	+10.33%
Volatility (6M) Calculated over the trailing 6-month period	23.76%	7.70%	+16.06%
Volatility (1Y) Calculated over the trailing 1-year period	28.05%	10.93%	+17.12%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	28.78%	14.36%	+14.42%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	27.03%	16.70%	+10.33%

XNTK vs. SCHD - Expense Ratio Comparison

XNTK has a 0.35% expense ratio, which is higher than SCHD's 0.06% expense ratio.

Dividends

XNTK vs. SCHD - Dividend Comparison

XNTK's dividend yield for the trailing twelve months is around 0.15%, less than SCHD's 3.22% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SCHD Schwab U.S. Dividend Equity ETF	3.22%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%
XNTK State Street SPDR NYSE Technology ETF	0.15%	0.23%	0.42%	0.34%	0.85%	0.34%	0.30%	0.61%	29.64%	1.29%	0.81%	0.93%

Frequently Asked Questions

Can I hold both XNTK and SCHD in my portfolio?

XNTK and SCHD have a correlation of 0.06, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, XNTK or SCHD?

XNTK has higher volatility (13.87%) compared to SCHD (3.54%). In terms of maximum drawdown, XNTK dropped -72.38% vs SCHD's -33.37%.

Which ETF is better, XNTK or SCHD?

On 10-year performance, XNTK leads with 24.56% vs 12.34% for SCHD. On fees, SCHD is cheaper at 0.06% per year. On volatility, SCHD has been the lower-risk option at 3.54%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, XNTK or SCHD?

Over the 10-year period, XNTK has performed better with a 24.56% return vs 12.34%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, XNTK or SCHD?

SCHD is cheaper with a 0.06% expense ratio, compared with 0.35% for XNTK.

Which ETF pays a higher dividend yield, XNTK or SCHD?

SCHD has the higher dividend yield at 3.22%, compared with 0.15% for XNTK.

What is the main difference between XNTK and SCHD?

XNTK is categorized as Technology Equities, while SCHD is Dividend. XNTK tracks NYSE Technology Index, while SCHD tracks Dow Jones U.S. Dividend 100 Index. They also come from different issuers: State Street and Charles Schwab. Their fees differ too: 0.35% for XNTK and 0.06% for SCHD.

Which has better risk-adjusted returns?

SCHD currently has the higher Sharpe Ratio (2.17 vs 1.85), 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.