CRDTvsSCHZETF Comparison
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Simplify Opportunistic Income ETF (CRDT) and Schwab U.S. Aggregate Bond ETF (SCHZ) belong to the same industry segment: US Aggregate Bonds. CRDT's top 3 sector exposures are Finance, Sovereign and Healthcare. In contrast, SCHZ's top sector exposures are Sovereign, Industrials and Government Agencies. CRDT is more expensive with a Total Expense Ratio (TER) of 0.99%, versus 0.03% for SCHZ. CRDT is up 2.61% year-to-date (YTD) with -$27M in YTD flows. SCHZ performs worse with -0.29% YTD performance, and +$1.52B in YTD flows. Run a side-by-side ETF comparison of CRDT and SCHZ below, and assess how they stack up in performance, liquidity, risk, exposure, holdings, and more, helping you select the best ETF for your investments.
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CRDT vs SCHZ performance and flow charts
Performance
Cumulative Flows
Historic performance and flows
Data as of 09/04/2026
| 1M | 3M | YTD | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|---|---|
| Perf. | CRDT SCHZ | -2.20%-0.32% | -1.18%-0.65% | +2.61%-0.29% | +1.43%+1.32% | +10.45%+13.69% | n/a-1.43% |
| Flows | CRDT SCHZ | -$5M+$250M | -$5M+$531M | -$27M+$1.52B | -$53M+$2.08B | -$23M+$3.67B | -+$3.02B |
Volatility and drawdown
| 3M | 1Y | 3Y | 5Y | ||
|---|---|---|---|---|---|
| Volatility | CRDT SCHZ | +10.62%+3.92% | +8.76%+3.65% | +6.47%+5.06% | n/a+5.95% |
| Max drawdown | CRDT SCHZ | -4.11%-1.72% | -7.13%-2.76% | -9.28%-4.88% | n/a-17.84% |
| Max drawdown duration | CRDT SCHZ | 22d67d | 100d187d | 522d284d | n/a1626d |
Trading data
CRDT | SCHZ | |
Last sale 9/4/2026 at 1:30 PM | $23.00 | $22.67 |
| Previous close 09/04/2026 | $22.94 | $22.66 |
| Consolidated volume 09/04/2026 | ||
| Average volume 30 days | ||
| Average discount or premium 30 days | ||
| Average Bid/Ask spread 30 days |
Replication quality
Data as of August 31, 2026
1-year trailing difference
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CRDT
is actively managed and doesn’t replicate an indexCRDT | SCHZ | |
|---|---|---|
| Tracking error | ||
| Tracking difference | ||
| 1 year cumulative return difference | ||
| Best | ||
| Worst | ||
| Daily return difference | ||
| Average | ||
| Worst | ||
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Main metrics
Last update 9/4/2026 at 1:30 PM
Live
Closed
CRDT | SCHZ | |
|---|---|---|
| Last price | $23.00 | $22.67 |
| 1D performance | +0.28% | +0.04% |
| AuM | $31.13 M | $10.71 B |
| E/R | 0.99% | 0.03% |
Characteristics
CRDT | SCHZ | |
|---|---|---|
| Management strategy | Active | Passive |
| Provider | Simplify | Schwab ETFs |
| Benchmark | - | Bloomberg US Aggregate Bond Index |
| N° of holdings | 21 | 580 |
| Asset class | - | Bonds |
| Trailing 12m distribution yield | Join | Join |
| Inception date | June 27, 2023 | July 14, 2011 |
| ESG | No | No |
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Exposure
Countries
CRDT
USA
72.96%
Other
27.04%
SCHZ
USA
84.04%
Other
15.96%
Sectors
CRDT
Finance
54.09%
Sovereign
9.27%
Other
36.63%
SCHZ
Sovereign
72.98%
Industrials
10.26%
Other
16.77%
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Diversification
CRDT
Total weight of top 15 holdings out of 15
63.49%
SCHZ
Total weight of top 15 holdings out of 15
8.86%
Top 15 holdings
Data as of July 31, 2026
CRDT
Rithm Capital Corp.
11.24%
USA, Bills 0% 25aug2026, USD (119D)
6.47%
Dynex Capital, Inc.
4.80%
Annaly Capital Management, Inc.
4.57%
MFA Financial, Inc.
4.32%
Blue Owl Capital, Inc.
3.86%
US73072DAC56
3.78%
AGNC Investment Corp.
3.47%
Chimera Investment Corp.
3.34%
Chimera Investment Corp.
3.13%
US63942LAC63
3.06%
Full House Resorts, Inc.
2.95%
NO0013712125
2.88%
US26251RAE18
2.83%
Arrowhead Pharmaceuticals, 0% 15jan2032, USD (Conv.)
2.81%
SCHZ
USA, Notes 4.125% 15feb2036, USD (B-2036)
0.64%
USA, Notes 4.625% 15feb2035, USD (B-2035)
0.63%
USA, Notes 4.375% 15may2034, USD (C-2034)
0.63%
USA, Notes 4.25% 15nov2034, USD (F-2034)
0.62%
USA, Notes 4.25% 15may2035, USD (C-2035)
0.62%
USA, Notes 4.25% 15aug2035, USD (E-2035)
0.62%
USA, Notes 4% 15feb2034, USD (B-2034)
0.61%
USA, Notes 3.875% 15aug2034, USD (E-2034)
0.60%
USA, Notes 4% 15nov2035, USD (F-2035)
0.60%
USA, Notes 4.5% 15nov2033, USD (F-2033)
0.59%
USA, Notes 3.5% 31jan2028, USD (U-2028)
0.59%
USA, Notes 4.375% 15may2036, USD (C-2036)
0.55%
USA, Notes 3.875% 15aug2033, USD (E-2033)
0.54%
USA, Notes 4% 28feb2030, USD (H-2030)
0.51%
USA, Notes 4.125% 15nov2032, USD (F-2032)
0.51%
Frequently asked questions about CRDT and SCHZ
How have the CRDT and SCHZ ETFs performed in 2026?
As of September 4, 2026, CRDT is up 2.61% year-to-date (YTD), while SCHZ has lost -0.29%. That puts CRDT better performer ahead so far this year.
Which ETF is attracting more investor money: CRDT or SCHZ?
Year-to-date, the CRDT ETF saw -$27M in flows, compared to +$1.52B for SCHZ.
Which ETF is more volatile: CRDT or SCHZ?
Over the past year, CRDT had a volatility of 8.76%, while SCHZ experienced 3.65%.
Which ETF is bigger: CRDT or SCHZ?
As of September 4, 2026, CRDT holds $31.13 M in assets under management (AUM), while SCHZ manages $10.71 B.
What sectors do the CRDT and SCHZ ETFs invest in?
CRDT leans toward sectors like Finance and Sovereign. Meanwhile, SCHZ focuses on Sovereign and Industrials.
What are the top holdings of the CRDT ETF and SCHZ ETF?
CRDT top holdings include Rithm Capital Corp., USA, Bills 0% 25aug2026, USD (119D) and Dynex Capital, Inc.. SCHZ holds in its top three: USA, Notes 4.125% 15feb2036, USD (B-2036), USA, Notes 4.625% 15feb2035, USD (B-2035) and USA, Notes 4.375% 15may2034, USD (C-2034).
Which ETF is more diversified: CRDT or SCHZ?
CRDT holds 35 securities with 63.49% of its assets in the top 15. SCHZ has 1448 securities and a top 15 weight of 8.86%.
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Latest news about CRDT & SCHZ
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