BHYB vs SCHD
BHYB vs SCHD
Xtrackers USD High Yield BB-B ex Financials ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. BHYB offers more diversification with 1219 holdings.
Side-by-Side Comparison
| Metric | BHYB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.06% | |
| AUM | $2.6B | $103.7B | |
| Dividend Yield | 6.32% | 3.31% | |
| Holdings | 1,464 | 104 | |
| YTD Return | +0.32% | +23.53% | |
| 1Y Return | +3.58% | +30.95% | |
| 3Y Return (annualized) | - | +14.72% | |
| 5Y Return (annualized) | - | +9.56% | |
| Volatility (annualized) | 3.4% | 13.6% | |
| Max Drawdown | -4.2% | -33.4% | |
| Fund Family | Xtrackers ETFs | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Oct 27, 2023 | Oct 20, 2011 |
BHYB vs SCHD Performance
Xtrackers USD High Yield BB-B ex Financials ETF (BHYB) is a ETF from Xtrackers ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BHYB returned +3.58% while SCHD returned +30.95%. Year to date, BHYB is up 0.32% versus a gain of 23.53% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 3.4% for BHYB. 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 -4.2% for BHYB 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BHYB charges 0.20% per year while SCHD charges 0.06%. On a $10,000 position that is $20 vs $6 annually, a gap of $14 per year that compounds over a long holding period. On income, BHYB currently yields 6.32% against 3.31% for SCHD.
Holdings Overlap
BHYB and SCHD share 0 holdings out of 1319 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, BHYB or SCHD?
BHYB has an expense ratio of 0.20% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $14 per year of difference.
Which performed better, BHYB or SCHD?
Over the past year BHYB returned +3.58% vs +30.95% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), BHYB annualized +7.17% vs +11.35% for SCHD. Past performance does not guarantee future results.
Which is riskier, BHYB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 3.4% for BHYB. Worst drawdown: BHYB -4.2% vs SCHD -33.4%.
Should I hold both BHYB and SCHD?
BHYB and SCHD have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BHYB and SCHD?
BHYB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1319 unique securities.
Which pays a higher dividend, BHYB or SCHD?
BHYB yields 6.32% while SCHD yields 3.31%, so BHYB currently pays the higher dividend yield.
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