Compare · 3 funds side by side · dividends reinvested

YLDY, USOI and SCHD

YLDYHorizon Funds×USOIETRACS×SCHDSchwab×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$18,295USOI · best of the three

02 / 04

YLDY, USOI and SCHD, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.98%+32.3%+38.7%+20.3%+10.4%−6.9%11.7%$120B1.5

UBS AG ETRACS Crude Oil Shares Covered Call ETNs due April 24, 2037Income · Covered calls0.85%61.60%+48.4%+45.0%+12.2%+12.8%−23.5%24.6%$305M1.6

Horizon Funds - Horizon High Income ETFIncome · Covered calls0.70%1.91%[…][…][…][…][…][…]$21M2.5

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: YLDY 2026 · USOI 2017 · SCHD 2011

Head to Head

Swap sides Versus in desk

Head to Head

Horizon Funds - Horizon High Income ETF · $21M[…]

YLDY

USOI

UBS AG ETRACS Crude Oil Shares Covered Call ETNs due April 24, 2037 · $305M$18,295

$10,000 five years ago, dividends reinvested

YLDYMeasureUSOI

[…]Year to dateJan 1 → Nov 5+48.4%

[…]1 yearTotal return+45.0%

[…]3 years · per year$10,000 became […] · $14,138+12.2%

[…]5 years · per year$10,000 became […] · $18,295+12.8%

0.70%Expense ratio$70 · $85 a year on $10k · lower is better0.85%

1.91%Trailing 12-mo yield$191 · $6,160 a year on $10k61.60%

[…]Worst dropSmaller is better−23.5%

[…]VolatilityLower is calmer24.6%

YLDYUSOI Winner of the row, in its colourEach row: the bigger of the two fills its side

1–1Level

End-of-day Nov 5, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

YLDY vs USOI: Top 5 Holdings

Today

YLDY

21.3%in top 5

USOI

in top 5[…]

YLDYStockUSOI

6.4%NVDAnot top 5

6.2%MSFTnot top 5

4.3%GOOGLnot top 5

2.3%AVGOnot top 5

2.1%JPMnot top 5

Held in common[…]

End-of-day Nov 5, 2026 · share of each fund

YLDY vs USOI Returns, Every Period

Horizon FundsYLDY

[…]

past year

USOIETRACS

+45.0%

past year

Returns […]

YLDYUSOIFaded: behind in that period

0–0Level

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

YLDY vs USOI

YTD

Horizon FundsYLDY

[…]

USOIETRACS

+48.4%

[…]Year to date+48.4%

[…]Worst drop · 1Y−23.5%

[…]Volatility · 1Y24.6%

1.9%Yield61.6%

$21.2MAssets$305M

1–0USOI wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: YLDY, USOI, SCHD

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

YLDY0.70%$70

USOI0.85%$85

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: YLDY, USOI, SCHD

61.60%highest, USOI

FundTrailing yieldYield$10k

USOI61.60%$6,160

SCHD2.98%$298

YLDY1.91%$191

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$6,075most kept, USOI

USOI$6,160 − $85 = $6,075

SCHD$298 − $6 = $292

YLDY$191 − $70 = $121

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: YLDY, USOI, SCHD

Today

12.0%most shared, YLDY and SCHD

YLDYUSOISCHD

YLDY—[…]12.0%

USOI[…]—[…]

SCHD12.0%[…]—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+45.0%USOI, at 24.6% volatility

SCHDWorst drop−6.9%11.7% vol

USOIWorst drop−23.5%24.6% vol

YLDYWorst drop[…][…]

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

USOISCHD

+48.4%Year to date+32.3%

61.6%Yield3.0%

+45.0%Past year+38.7%

0.85%Fee0.06%

3–1USOI wins

End-of-day Nov 5, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.6BAssets$46.8B

2–0JEPQ wins

End-of-day Nov 5, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026