NBTR vs SCHD
NBTR vs SCHD
Neuberger Berman Total Return Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. NBTR offers more diversification with 225 holdings.
Side-by-Side Comparison
| Metric | NBTR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.37% | 0.06% | |
| AUM | $54M | $103.7B | |
| Dividend Yield | 5.53% | 3.31% | |
| Holdings | 435 | 104 | |
| YTD Return | +0.29% | +24.08% | |
| 1Y Return | +3.11% | +31.88% | |
| 3Y Return (annualized) | - | +14.92% | |
| 5Y Return (annualized) | - | +9.85% | |
| Volatility (annualized) | 3.2% | 13.6% | |
| Max Drawdown | -2.6% | -33.4% | |
| Fund Family | Neuberger Berman | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Dec 17, 2024 | Oct 20, 2011 |
NBTR vs SCHD Performance
Neuberger Berman Total Return Bond ETF (NBTR) 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 NBTR returned +3.11% while SCHD returned +31.88%. Year to date, NBTR is up 0.29% versus a gain of 24.08% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 3.2% for NBTR. 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 -2.6% for NBTR 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 0.20. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
NBTR charges 0.37% per year while SCHD charges 0.06%. On a $10,000 position that is $37 vs $6 annually, a gap of $31 per year that compounds over a long holding period. On income, NBTR currently yields 5.53% against 3.31% for SCHD.
Holdings Overlap
NBTR and SCHD share 0 holdings out of 325 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, NBTR or SCHD?
NBTR has an expense ratio of 0.37% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $31 per year of difference.
Which performed better, NBTR or SCHD?
Over the past year NBTR returned +3.11% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), NBTR annualized +4.86% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, NBTR or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 3.2% for NBTR. Worst drawdown: NBTR -2.6% vs SCHD -33.4%.
Should I hold both NBTR and SCHD?
NBTR and SCHD have a monthly-return correlation of 0.20, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between NBTR and SCHD?
NBTR and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 325 unique securities.
Which pays a higher dividend, NBTR or SCHD?
NBTR yields 5.53% while SCHD yields 3.31%, so NBTR currently pays the higher dividend yield.
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