BNDS vs SCHD
BNDS vs SCHD
Infrastructure Capital Bond Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | BNDS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.88% | 0.06% | |
| AUM | $94M | $103.7B | |
| Dividend Yield | 8.71% | 3.31% | |
| Holdings | 77 | 104 | |
| YTD Return | +3.88% | +22.69% | |
| 1Y Return | +9.12% | +30.94% | |
| 3Y Return (annualized) | - | +14.20% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 5.4% | 13.7% | |
| Max Drawdown | -7.0% | -33.4% | |
| Fund Family | InfraCap | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jan 15, 2025 | Oct 20, 2011 |
BNDS vs SCHD Performance
Infrastructure Capital Bond Income ETF (BNDS) is a ETF from InfraCap and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BNDS returned +9.12% while SCHD returned +30.94%. Year to date, BNDS is up 3.88% versus a gain of 22.69% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 5.4% for BNDS. 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 -7.0% for BNDS 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BNDS charges 0.88% per year while SCHD charges 0.06%. On a $10,000 position that is $88 vs $6 annually, a gap of $82 per year that compounds over a long holding period. On income, BNDS currently yields 8.71% against 3.31% for SCHD.
Holdings Overlap
BNDS and SCHD share 0 holdings out of 170 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, BNDS or SCHD?
BNDS has an expense ratio of 0.88% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, BNDS or SCHD?
Over the past year BNDS returned +9.12% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), BNDS annualized +8.11% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, BNDS or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 5.4% for BNDS. Worst drawdown: BNDS -7.0% vs SCHD -33.4%.
Should I hold both BNDS and SCHD?
BNDS and SCHD have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BNDS and SCHD?
BNDS and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 170 unique securities.
Which pays a higher dividend, BNDS or SCHD?
BNDS yields 8.71% while SCHD yields 3.31%, so BNDS currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.