BAR vs SCHD
Graniteshares Gold Trust vs Schwab US Dividend Equity ETF
Which is better, BAR or SCHD?
Gold against Large Cap Value.
SCHD has a lower expense ratio. BAR led over 3Y, 5Y and the full window, SCHD over 1Y.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | BAR | SCHD |
|---|---|---|
| Expense Ratio | 0.17% | 0.06%Best |
| AUM | $1.4B | $112.1B |
| Dividend Yield | 0.00% | 3.00% |
| Holdings | 1 | 103 |
| YTD Return | +0.96% | +23.46%Best |
| 1Y Return | +19.83% | +27.20%Best |
| 3Y Return (annualized) | +31.12%Best | +15.41% |
| 5Y Return (annualized) | +19.74%Best | +10.16% |
| Volatility (annualized) | 15.4%Best | 16.0% |
| Max Drawdown | -26.3%Best | -33.4% |
| $10,000 over 5 years | $24,615Best | $16,223 |
| Fund Family | GraniteShares | Charles Schwab Asset Management |
| Category | Commodity | Equity |
| Style | Gold | Large Cap Value |
| Inception | Aug 23, 2017 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Aug 31, 2017 to Sep 18, 2026 (9 years).
BAR vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 9 years both funds cover.
BAR vs SCHD Performance
Graniteshares Gold Trust (BAR) is an ETF from GraniteShares and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year BAR returned +19.83% while SCHD returned +27.20%. Year to date, BAR is up 0.96% versus a gain of 23.46% for SCHD.
Over three years, BAR compounded at +31.12% per year against +15.41% for SCHD; over five years the annualized figures are +19.74% and +10.16% respectively. Across the full 9-year window we track, BAR has the edge at +13.98% annualized vs +11.48%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 16.0% compared with 15.4% for BAR. 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 -26.3% for BAR and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.18. They move largely independently of each other.
Fees and Cost Over Time
BAR charges 0.17% per year while SCHD charges 0.06%. On a $10,000 position that is $17 vs $6 annually, a gap of $11 per year that compounds over a long holding period. On income, BAR currently yields 0.00% against 3.00% for SCHD.
You are not choosing between two funds in isolation.
Whichever of BAR and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, BAR or SCHD?
BAR has an expense ratio of 0.17% while SCHD charges 0.06%. SCHD is the cheaper option, by $11 a year on a $10,000 investment.
Which performed better, BAR or SCHD?
Over the past year BAR returned +19.83% vs +27.20% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), BAR annualized +13.98% vs +11.48% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BAR or SCHD?
SCHD has been the more volatile fund at 16.0% annualized versus 15.4% for BAR. Worst drawdown: BAR -26.3% vs SCHD -33.4%.
Should I hold both BAR and SCHD?
BAR and SCHD have a monthly-return correlation of 0.18, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, BAR or SCHD?
BAR yields 0.00% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than BAR?
SCHD has a lower expense ratio. BAR led over 3Y, 5Y and the full window, SCHD over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.