SCHD vs TBUX
SCHD vs TBUX
Schwab US Dividend Equity ETF vs T Rowe Price Ultra Short-Term Bond ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. TBUX offers more diversification with 362 holdings.
Side-by-Side Comparison
| Metric | SCHD | TBUX | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.17% | |
| AUM | $103.7B | $1.3B | |
| Dividend Yield | 3.31% | 4.49% | |
| Holdings | 104 | 622 | |
| YTD Return | +23.31% | +2.43% | |
| 1Y Return | +30.42% | +4.52% | |
| 3Y Return (annualized) | +14.66% | +5.56% | |
| 5Y Return (annualized) | +9.59% | - | |
| Volatility (annualized) | 13.6% | 1.1% | |
| Max Drawdown | -33.4% | -1.8% | |
| Fund Family | Charles Schwab Asset Management | T.Rowe Price | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Sep 28, 2021 |
SCHD vs TBUX Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and T Rowe Price Ultra Short-Term Bond ETF (TBUX) is a ETF from T.Rowe Price. Over the past year SCHD returned +30.42% while TBUX returned +4.52%. Year to date, SCHD is up 23.31% versus a gain of 2.43% for TBUX.
Over three years, SCHD compounded at +14.66% per year against +5.56% for TBUX. Across the full 5-year window we track, SCHD has the edge at +11.34% annualized vs +4.04%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.1% for TBUX. 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 -1.8% for TBUX. 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TBUX charges 0.17%. On a $10,000 position that is $6 vs $17 annually, a gap of $11 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 4.49% for TBUX.
Holdings Overlap
SCHD and TBUX share 0 holdings out of 462 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 TBUX?
SCHD has an expense ratio of 0.06% while TBUX charges 0.17%. SCHD is the cheaper option. On a $10,000 investment, that is $11 per year of difference.
Which performed better, SCHD or TBUX?
Over the past year SCHD returned +30.42% vs +4.52% for TBUX, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), SCHD annualized +11.34% vs +4.04% for TBUX. Past performance does not guarantee future results.
Which is riskier, SCHD or TBUX?
SCHD has been the more volatile fund at 13.6% annualized versus 1.1% for TBUX. Worst drawdown: SCHD -33.4% vs TBUX -1.8%.
Should I hold both SCHD and TBUX?
SCHD and TBUX have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TBUX?
SCHD and TBUX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 462 unique securities.
Which pays a higher dividend, SCHD or TBUX?
SCHD yields 3.31% while TBUX yields 4.49%, so TBUX currently pays the higher dividend yield.
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