SCHD vs STBF
SCHD vs STBF
Schwab US Dividend Equity ETF vs Performance Trust Short Term Bond 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 | SCHD | STBF | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.65% | |
| AUM | $103.7B | $70M | |
| Dividend Yield | 3.31% | 4.82% | |
| Holdings | 104 | 201 | |
| YTD Return | +23.02% | +0.03% | |
| 1Y Return | +30.75% | +2.57% | |
| 3Y Return (annualized) | +14.89% | - | |
| 5Y Return (annualized) | +9.38% | - | |
| Volatility (annualized) | 13.6% | 1.8% | |
| Max Drawdown | -33.4% | -1.2% | |
| Fund Family | Charles Schwab Asset Management | Performance Trust Asset Management LLC | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Apr 9, 2024 |
SCHD vs STBF Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Performance Trust Short Term Bond ETF (STBF) is a ETF from Performance Trust Asset Management LLC. Over the past year SCHD returned +30.75% while STBF returned +2.57%. Year to date, SCHD is up 23.02% versus a gain of 0.03% for STBF.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.8% for STBF. 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 -33.4% for SCHD and -1.2% for STBF. 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 0.25. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while STBF charges 0.65%. On a $10,000 position that is $6 vs $65 annually, a gap of $59 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 4.82% for STBF.
Holdings Overlap
SCHD and STBF share 0 holdings out of 168 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, SCHD or STBF?
SCHD has an expense ratio of 0.06% while STBF charges 0.65%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, SCHD or STBF?
Over the past year SCHD returned +30.75% vs +2.57% for STBF, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.33% vs +4.70% for STBF. Past performance does not guarantee future results.
Which is riskier, SCHD or STBF?
SCHD has been the more volatile fund at 13.6% annualized versus 1.8% for STBF. Worst drawdown: SCHD -33.4% vs STBF -1.2%.
Should I hold both SCHD and STBF?
SCHD and STBF have a monthly-return correlation of 0.25, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and STBF?
SCHD and STBF share 0 common holdings with a 0.0% weight overlap. Combined, they hold 168 unique securities.
Which pays a higher dividend, SCHD or STBF?
SCHD yields 3.31% while STBF yields 4.82%, so STBF currently pays the higher dividend yield.
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