FTRB vs SCHD
FTRB vs SCHD
Federated Hermes Total Return Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FTRB offers more diversification with 405 holdings.
Side-by-Side Comparison
| Metric | FTRB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.06% | |
| AUM | $599M | $103.7B | |
| Dividend Yield | 4.27% | 3.31% | |
| Holdings | 475 | 104 | |
| YTD Return | -0.51% | +22.69% | |
| 1Y Return | +3.18% | +30.94% | |
| 3Y Return (annualized) | - | +14.20% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 4.4% | 13.7% | |
| Max Drawdown | -4.8% | -33.4% | |
| Fund Family | Federated Hermes | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jan 2, 2024 | Oct 20, 2011 |
FTRB vs SCHD Performance
Federated Hermes Total Return Bond ETF (FTRB) is a ETF from Federated Hermes and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FTRB returned +3.18% while SCHD returned +30.94%. Year to date, FTRB is down 0.51% 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 4.4% for FTRB. 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 -4.8% for FTRB 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 0.39. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FTRB charges 0.39% per year while SCHD charges 0.06%. On a $10,000 position that is $39 vs $6 annually, a gap of $33 per year that compounds over a long holding period. On income, FTRB currently yields 4.27% against 3.31% for SCHD.
Holdings Overlap
FTRB and SCHD share 0 holdings out of 505 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, FTRB or SCHD?
FTRB has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, FTRB or SCHD?
Over the past year FTRB returned +3.18% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), FTRB annualized +3.70% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, FTRB or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 4.4% for FTRB. Worst drawdown: FTRB -4.8% vs SCHD -33.4%.
Should I hold both FTRB and SCHD?
FTRB and SCHD have a monthly-return correlation of 0.39, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FTRB and SCHD?
FTRB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 505 unique securities.
Which pays a higher dividend, FTRB or SCHD?
FTRB yields 4.27% while SCHD yields 3.31%, so FTRB currently pays the higher dividend yield.
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