BBAG vs SCHD
BBAG vs SCHD
JPMorgan BetaBuilders US Aggregate Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
BBAG has a lower expense ratio. SCHD delivered stronger 1-year returns. BBAG offers more diversification with 1312 holdings.
Side-by-Side Comparison
| Metric | BBAG | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.06% | |
| AUM | $1.0B | $103.7B | |
| Dividend Yield | 4.20% | 3.31% | |
| Holdings | 1,791 | 104 | |
| YTD Return | -1.66% | +22.69% | |
| 1Y Return | +1.55% | +30.94% | |
| 3Y Return (annualized) | +3.47% | +14.20% | |
| 5Y Return (annualized) | -0.78% | +9.59% | |
| Volatility (annualized) | 5.7% | 13.7% | |
| Max Drawdown | -19.6% | -33.4% | |
| Fund Family | J.P. Morgan Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Dec 12, 2018 | Oct 20, 2011 |
BBAG vs SCHD Performance
JPMorgan BetaBuilders US Aggregate Bond ETF (BBAG) is a ETF from J.P. Morgan Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BBAG returned +1.55% while SCHD returned +30.94%. Year to date, BBAG is down 1.66% versus a gain of 22.69% for SCHD.
Over three years, BBAG compounded at +3.47% per year against +14.20% for SCHD; over five years the annualized figures are -0.78% and +9.59% respectively. Across the full 8-year window we track, SCHD has the edge at +11.31% annualized vs +0.84%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 5.7% for BBAG. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -19.6% for BBAG and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.38. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BBAG charges 0.03% per year while SCHD charges 0.06%. On a $10,000 position that is $3 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, BBAG currently yields 4.20% against 3.31% for SCHD.
Holdings Overlap
BBAG and SCHD share 0 holdings out of 1412 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BBAG or SCHD?
BBAG has an expense ratio of 0.03% while SCHD charges 0.06%. BBAG is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, BBAG or SCHD?
Over the past year BBAG returned +1.55% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), BBAG annualized +0.84% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, BBAG or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 5.7% for BBAG. Worst drawdown: BBAG -19.6% vs SCHD -33.4%.
Should I hold both BBAG and SCHD?
BBAG and SCHD have a monthly-return correlation of 0.38, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BBAG and SCHD?
BBAG and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1412 unique securities.
Which pays a higher dividend, BBAG or SCHD?
BBAG yields 4.20% while SCHD yields 3.31%, so BBAG currently pays the higher dividend yield.
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