NBFC vs SCHD
NBFC vs SCHD
Neuberger Berman Flexible Credit Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. NBFC offers more diversification with 296 holdings.
Side-by-Side Comparison
| Metric | NBFC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.06% | |
| AUM | $76M | $103.7B | |
| Dividend Yield | 7.29% | 3.31% | |
| Holdings | 557 | 104 | |
| YTD Return | +1.34% | +22.69% | |
| 1Y Return | +5.43% | +30.94% | |
| 3Y Return (annualized) | - | +14.20% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 3.4% | 13.7% | |
| Max Drawdown | -4.0% | -33.4% | |
| Fund Family | Neuberger Berman | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jun 24, 2024 | Oct 20, 2011 |
NBFC vs SCHD Performance
Neuberger Berman Flexible Credit Income ETF (NBFC) is a ETF from Neuberger Berman and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year NBFC returned +5.43% while SCHD returned +30.94%. Year to date, NBFC is up 1.34% 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 3.4% for NBFC. 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 -4.0% for NBFC 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 0.49. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
NBFC 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, NBFC currently yields 7.29% against 3.31% for SCHD.
Holdings Overlap
NBFC and SCHD share 1 holdings out of 395 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in NBFC | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 5.48% | 0.04% | 5.44% |
Frequently Asked Questions
Which is cheaper, NBFC or SCHD?
NBFC 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, NBFC or SCHD?
Over the past year NBFC returned +5.43% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), NBFC annualized +7.44% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, NBFC or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 3.4% for NBFC. Worst drawdown: NBFC -4.0% vs SCHD -33.4%.
Should I hold both NBFC and SCHD?
NBFC and SCHD have a monthly-return correlation of 0.49, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NBFC and SCHD?
NBFC and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 395 unique securities.
Which pays a higher dividend, NBFC or SCHD?
NBFC yields 7.29% while SCHD yields 3.31%, so NBFC currently pays the higher dividend yield.
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