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Upturn AI Summary
Schwab U.S. Dividend Equity ETF(SCHD)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SCHD
09/25/2026: SCHD (5-star) is currently NOT-A-BUY. Pass it for now.
Schwab U.S. Dividend Equity ETF (SCHD) provides targeted exposure to high-quality, dividend-paying US companies selected through a rigorous fundamental screen. Its primary strengths include a very low expense ratio, a disciplined methodology that filters out weaker businesses, and excellent liquidity. It serves as an ideal portfolio core for investors seeking a combination of income and capital preservation. Key risks include sector concentration—specifically the exclusion of REITs—and sensitivity to interest rate environments that affect the relative attractiveness of dividend stocks. It is best suited for long-term, income-oriented investors who want a steady, low-cost approach to equity investing.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
ETF holdings, costs, diversification, valuation, risks, and market conditions provide supporting context about the fund.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | It offers moderate capital appreciation but is not designed for aggressive growth strategies. |
| Momentum investor | Weak fit | The dividend-focus is value-oriented and often rotates out of high-momentum stocks. |
| Value investor | Strong fit | The index methodology emphasizes fundamental valuation metrics like cash flow and ROE. |
| Dividend/Income investor | Strong fit | It is specifically engineered for investors seeking a reliable and growing income stream. |
| Low-risk investor | Strong fit | The quality screen inherently favors more stable, profitable companies with lower volatility profiles. |
Investor Profile
Ideal Investor Profile
The ideal investor is someone focused on long-term wealth accumulation who values consistent income and downside protection.
Suitability
SCHD is highly suitable for long-term passive investors or income-focused retirees rather than active traders.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Medium | While quality-focused, it remains an equity fund subject to broader market fluctuations. |
| Market risk | Medium / high | Full exposure to US equity market downturns is a primary risk factor. |
| Concentration | Medium | The index excludes specific sectors like REITs, which may lead to performance divergence from the broader S&P 500. |
| Tracking/expense | Low | The fund maintains a low expense ratio and minimal tracking error against its index. |
| Liquidity | Low | High trading volumes make liquidity risk negligible for retail investors. |
| Business/sector quality | Low | The fundamental screening process actively mitigates the risk of holding low-quality companies. |
Risk Analysis
Volatility
SCHD exhibits moderate volatility compared to the S&P 500, often outperforming in down markets but potentially trailing during speculative rallies.
Market Risk
The fund is subject to systematic equity risk; because it excludes certain growth-heavy sectors like technology, it can underperform in bull markets driven by high-multiple tech stocks.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Sector | Financials | 17.5 | Financial sector exposure provides exposure to interest-rate sensitive earnings and value-oriented bank stocks. |
| Sector | Industrials | 16 | Industrial holdings contribute to the fund's cyclical growth potential and stable dividend generation. |
| Sector | Health Care | 15.5 | Healthcare companies offer defensive characteristics and consistent cash flows that support dividend payments. |
| Sector | Information Technology | 13.5 | Tech sector exposure adds potential for capital appreciation and dividend growth from mature technology firms. |
| Sector | Consumer Staples | 12 | Consumer staples provide a stable base for the portfolio due to their essential nature and predictable revenue. |
| Other | Other Sectors (Energy, Materials, etc.) | 25.5 | Remaining weight is diversified across cyclicals and defensive sectors to maintain balanced market exposure. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type ETF | Historic Profit 30.8% | Avg. Invested days 60 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | ETF Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/25/2026 |
ETF Fundamentals 
Source: EOD Historical Data • Updated Sep 26, 2026
Fund Basics
| Metric | Value |
|---|---|
| Fund Size (AUM) | $110.50B |
| Issuer | Schwab ETFs |
| Expense Ratio | 0.06% |
| Distribution Yield | 3% |
| Inception | Oct 20, 2011 |
Performance
| Period | Total Return |
|---|---|
| YTD | +24.95% |
| 1 Year | +27.89% |
| 3 Year | +16.16% |
| 5 Year | +10.26% |
| 10 Year | +12.84% |
Risk Metrics
| Metric | Value |
|---|---|
| 1Y Volatility | 13.01% |
| 3Y Volatility | 13.46% |
| 3Y Sharpe Ratio | 0.85 |
Ratings
| Metric | Value |
|---|---|
| Morningstar Rating | ★★★★★ |
| Sustainability Rating | 5 / 5 |
| Benchmark | S&P 500 TR USD |
Market Cap Distribution
| Cap Size | Weight |
|---|---|
| Large Cap | 68.80% |
| Mid Cap | 26.08% |
| Small Cap | 3.44% |
| Micro Cap | 0.94% |
Top Sectors
| Sector | Weight |
|---|---|
| Healthcare | 20.78% |
| Consumer Defensive | 19.85% |
| Energy | 16.19% |
| Technology | 13.23% |
Asset Allocation
Portfolio Characteristics
| Metric | Value |
|---|---|
| Portfolio P/E | 15.59x |
| Portfolio P/B | 3.4x |
| Portfolio P/S | 1.81x |
| Holdings Turnover | 28.0% |
Top Holdings
| Holding | Weight |
|---|---|
| Qualcomm | 4.71% |
| Texas Instruments | 4.39% |
| Procter & Gamble | 4.08% |
| The Coca-Cola | 4.08% |
| Merck & | 4.07% |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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