SCHD vs XDTE: Income Fund Comparison
Schwab U.S. Dividend Equity ETF - US (SCHD) and Roundhill S&P 500 0DTE Covered Call Strategy ETF - US (XDTE) are both income-focused funds. Below is our independent side-by-side review using the Dependable Income Investing 13-factor scoring system — designed specifically for income investors seeking reliable, sustainable distributions.
Also see: SCHD individual review · XDTE individual review
SCHD: One of the lowest MER's you'll find at 0.06%. XDTE: XDTE's gross expense ratio of 0.97% is slightly above average for similar ETFs - reflecting the active management and complexity of the 0DTE options strategy. SCHD oct 20th 2011 was the fund start date. XDTE the fund launched March 7 2024 so it is still relatively new. Full Dependability and Return scores for both funds are available in the app.
| SCHD | XDTE | |
|---|---|---|
| Fund Name | Schwab U.S. Dividend Equity ETF - US | Roundhill S&P 500 0DTE Covered Call Strategy ETF - US |
| Fund Type | Index Based Fund | Index Based Fund |
| Exchange | NYSE/NASDAQ | NYSE/NASDAQ |
| Last Reviewed | 2025-12-15 | 2025-07-10 |
| Author | Adam Hyde, Income Investing Analyst | |
🔒 Full scores available — with Premium subscription
Compare Performance — Free →Fund Attributes: SCHD vs XDTE 20% of overall score
Fund Attributes cover the foundational characteristics of each fund: cost, company backing, track record, and size. These factors reflect stability and cost-efficiency for long-term income investors.
One of the lowest MER's you'll find at 0.06%.
XDTE's gross expense ratio of 0.97% is slightly above average for similar ETFs - reflecting the active management and complexity of the 0DTE options strategy.
Schwab has a jaw dropping 10 Trillion in assets under management.
As of June 2025 - Roundhill has over $5 billion in AUM across all funds.
Oct 20th 2011 was the fund start date.
The fund launched March 7 2024 so it is still relatively new.
72 Billion in this fund.
Approximately $400 million in the fund as of July 2025.
Risk: SCHD vs XDTE 35% of overall score
Risk factors evaluate how each fund manages volatility, diversification, and the nature of its underlying assets — critical considerations for income investors who prioritise capital preservation.
Beta is 0.85 which is lower volatility than the S&P500.
slightly lower volatility than the S&P 500.
See the full Risk analysis for both SCHD and XDTE — volatility ratings, diversification scores, and analyst notes.
View Plans →Return: SCHD vs XDTE 45% of overall score
Return factors assess income generation quality: current yield, distribution consistency, price history, and payment frequency. This is the most heavily weighted category for income investors.
Pays dividends quarterly.
Pays weekly distributions.
See the full Return analysis for both SCHD and XDTE — yield ratings, distribution consistency scores, and capital history.
View Plans →Our Review Methodology
Every fund reviewed on Dependable Income Investing is scored using our 13-factor Fund Report Card, organised into three weighted categories: Fund Attributes (20%), Risk (35%), and Return (45%). Each criterion is rated 1–5 by our analysts based on publicly available fund data.
We also calculate a Dependability Score — a weighted composite of six income-specific factors ranked by importance for retirement income investors: Yield Stability, Yield, Volatility, Capital History, Fund Risk, and Underlying Assets. This score answers the question income investors care about most: can I depend on this fund to pay me reliably?
Full scores, ratings, and analyst notes for both SCHD and XDTE are available in the Dependable Income Investing app.
See our full scoring methodology →
Frequently Asked Questions: SCHD vs XDTE
Which has a lower expense ratio, SCHD or XDTE?
SCHD: One of the lowest MER's you'll find at 0.06%.
XDTE: XDTE's gross expense ratio of 0.97% is slightly above average for similar ETFs - reflecting the active management and complexity of the 0DTE options strategy.
Which fund has more assets under management, SCHD or XDTE?
SCHD: 72 Billion in this fund.
XDTE: Approximately $400 million in the fund as of July 2025.
Which fund has been trading longer, SCHD or XDTE?
SCHD: Oct 20th 2011 was the fund start date.
XDTE: The fund launched March 7 2024 so it is still relatively new.
Who manages SCHD vs XDTE?
SCHD: Schwab has a jaw dropping 10 Trillion in assets under management.
XDTE: As of June 2025 - Roundhill has over $5 billion in AUM across all funds.
Where can I see the full SCHD vs XDTE comparison with scores?
The complete side-by-side comparison — including all Risk and Return scores, analyst notes, Overall Score, and Dependability Score for both funds — is available in the Dependable Income Investing app.
What is the difference between SCHD and XDTE?
Schwab U.S. Dividend Equity ETF - US is a Index Based Fund. One of the lowest MER's you'll find at 0.06%. Roundhill S&P 500 0DTE Covered Call Strategy ETF - US is a Index Based Fund. XDTE's gross expense ratio of 0.97% is slightly above average for similar ETFs - reflecting the active management and complexity of the 0DTE options strategy. Full comparison including Dependability Score is available in the Dependable Income Investing app.
Which is better for income investors, SCHD or XDTE?
SCHD: One of the lowest MER's you'll find at 0.06%. Oct 20th 2011 was the fund start date. XDTE: XDTE's gross expense ratio of 0.97% is slightly above average for similar ETFs - reflecting the active management and complexity of the 0DTE options strategy. The fund launched March 7 2024 so it is still relatively new. Which scores higher on Dependability and Return is available in the Dependable Income Investing app.
Do SCHD and XDTE pay monthly distributions?
SCHD: Pays dividends quarterly. XDTE: Pays weekly distributions. Full yield and distribution stability scores for both funds are available in the Dependable Income Investing app.
See the Full SCHD vs XDTE Comparison
The Dependable Income Investing app gives you the complete picture: all 13 scoring factors for both funds, Risk and Return analyst notes, Dependability Scores, and tools to compare any income fund side by side.
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