USFR vs SCHD: which was the better investment?
WisdomTree Floating Rate Treasury Fund against Schwab U.S. Dividend Equity ETF on real daily total-return data — every dividend reinvested, from Feb 4, 2014 to Jul 13, 2026.
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Frequently asked questions
Did USFR beat SCHD?
No — measured from Feb 4, 2014 to Jul 13, 2026 with dividends reinvested, SCHD came out ahead: $42,804 versus $12,674 from a $10,000 start. That gap compounds from a 12.4% annual return against 1.9%.
What would $10,000 in USFR be worth today?
$10,000 invested in WisdomTree Floating Rate Treasury Fund (USFR) on Feb 4, 2014 would be worth about $12,674 as of Jul 13, 2026, a total return of 26.7% (1.9% per year). The same $10,000 in SCHD would be worth $42,804.
Which was riskier — USFR or SCHD?
USFR swung with an annualized volatility of 1.5% and a worst peak-to-trough drop of -2.2%; SCHD ran at 16.0% volatility with a -33.4% maximum drawdown. Risk-adjusted (Sharpe ratio), that is -0.05 for USFR vs 0.65 for SCHD.
What data is this comparison based on?
Daily adjusted closing prices covering Feb 4, 2014 through Jul 13, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with USFR vs SCHD. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.