BINC vs SCHD
BINC vs SCHD
iShares Flexible Income Active ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. BINC offers more diversification with 356 holdings.
Side-by-Side Comparison
| Metric | BINC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.06% | |
| AUM | $16.1B | $103.7B | |
| Dividend Yield | 5.84% | 3.31% | |
| Holdings | 4,738 | 104 | |
| YTD Return | +1.09% | +22.69% | |
| 1Y Return | +4.44% | +30.94% | |
| 3Y Return (annualized) | +6.68% | +14.20% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 3.2% | 13.7% | |
| Max Drawdown | -2.7% | -33.4% | |
| Fund Family | BlackRock, Inc. (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | May 19, 2023 | Oct 20, 2011 |
BINC vs SCHD Performance
iShares Flexible Income Active ETF (BINC) is a ETF from BlackRock, Inc. (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BINC returned +4.44% while SCHD returned +30.94%. Year to date, BINC is up 1.09% versus a gain of 22.69% for SCHD.
Over three years, BINC compounded at +6.68% per year against +14.20% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.31% annualized vs +6.75%. 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 3.2% for BINC. 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 -2.7% for BINC 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BINC charges 0.40% per year while SCHD charges 0.06%. On a $10,000 position that is $40 vs $6 annually, a gap of $34 per year that compounds over a long holding period. On income, BINC currently yields 5.84% against 3.31% for SCHD.
Holdings Overlap
BINC and SCHD share 0 holdings out of 456 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, BINC or SCHD?
BINC has an expense ratio of 0.40% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $34 per year of difference.
Which performed better, BINC or SCHD?
Over the past year BINC returned +4.44% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), BINC annualized +6.75% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, BINC or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 3.2% for BINC. Worst drawdown: BINC -2.7% vs SCHD -33.4%.
Should I hold both BINC and SCHD?
BINC and SCHD have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BINC and SCHD?
BINC and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 456 unique securities.
Which pays a higher dividend, BINC or SCHD?
BINC yields 5.84% while SCHD yields 3.31%, so BINC currently pays the higher dividend yield.
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