SCHD vs UBND
SCHD vs UBND
Schwab US Dividend Equity ETF vs VictoryShares Core Plus Bond ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. UBND offers more diversification with 821 holdings.
Side-by-Side Comparison
| Metric | SCHD | UBND | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.40% | |
| AUM | $103.7B | $2.0B | |
| Dividend Yield | 3.31% | 4.74% | |
| Holdings | 104 | 1,425 | |
| YTD Return | +24.08% | +0.36% | |
| 1Y Return | +31.88% | +2.95% | |
| 3Y Return (annualized) | +14.92% | +5.12% | |
| 5Y Return (annualized) | +9.85% | - | |
| Volatility (annualized) | 13.6% | 6.5% | |
| Max Drawdown | -33.4% | -16.4% | |
| Fund Family | Charles Schwab Asset Management | Victory Capital Management Inc. | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Oct 4, 2021 |
SCHD vs UBND Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and VictoryShares Core Plus Bond ETF (UBND) is a ETF from Victory Capital Management Inc.. Over the past year SCHD returned +31.88% while UBND returned +2.95%. Year to date, SCHD is up 24.08% versus a gain of 0.36% for UBND.
Over three years, SCHD compounded at +14.92% per year against +5.12% for UBND. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +0.90%. 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 6.5% for UBND. 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 -16.4% for UBND. 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while UBND charges 0.40%. On a $10,000 position that is $6 vs $40 annually, a gap of $34 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 4.74% for UBND.
Holdings Overlap
SCHD and UBND share 0 holdings out of 921 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 UBND?
SCHD has an expense ratio of 0.06% while UBND charges 0.40%. SCHD is the cheaper option. On a $10,000 investment, that is $34 per year of difference.
Which performed better, SCHD or UBND?
Over the past year SCHD returned +31.88% vs +2.95% for UBND, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), SCHD annualized +11.39% vs +0.90% for UBND. Past performance does not guarantee future results.
Which is riskier, SCHD or UBND?
SCHD has been the more volatile fund at 13.6% annualized versus 6.5% for UBND. Worst drawdown: SCHD -33.4% vs UBND -16.4%.
Should I hold both SCHD and UBND?
SCHD and UBND have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and UBND?
SCHD and UBND share 0 common holdings with a 0.0% weight overlap. Combined, they hold 921 unique securities.
Which pays a higher dividend, SCHD or UBND?
SCHD yields 3.31% while UBND yields 4.74%, so UBND currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.