BBSB vs SCHD
JPMorgan BetaBuilders US Treasury Bond 1-3 Year ETF vs Schwab US Dividend Equity ETF
Quick Verdict
BBSB has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | BBSB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.06% | |
| AUM | $55M | $103.7B | |
| Dividend Yield | 3.95% | 3.31% | |
| Holdings | 93 | 104 | |
| YTD Return | -0.24% | +24.26% | |
| 1Y Return | +1.56% | +31.38% | |
| 3Y Return (annualized) | +3.81% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 1.6% | 13.6% | |
| Max Drawdown | -1.6% | -33.4% | |
| Fund Family | J.P. Morgan Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Apr 19, 2023 | Oct 20, 2011 |
BBSB vs SCHD Performance
JPMorgan BetaBuilders US Treasury Bond 1-3 Year ETF (BBSB) is a ETF from J.P. Morgan Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BBSB returned +1.56% while SCHD returned +31.38%. Year to date, BBSB is down 0.24% versus a gain of 24.26% for SCHD.
Over three years, BBSB compounded at +3.81% per year against +15.08% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.39% annualized vs +3.45%. 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 1.6% for BBSB. 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 -1.6% for BBSB 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 0.27. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BBSB charges 0.04% per year while SCHD charges 0.06%. On a $10,000 position that is $4 vs $6 annually, a gap of $2 per year that compounds over a long holding period. On income, BBSB currently yields 3.95% against 3.31% for SCHD.
Holdings Overlap
BBSB and SCHD share 0 holdings out of 177 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, BBSB or SCHD?
BBSB has an expense ratio of 0.04% while SCHD charges 0.06%. BBSB is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, BBSB or SCHD?
Over the past year BBSB returned +1.56% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), BBSB annualized +3.45% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BBSB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.6% for BBSB. Worst drawdown: BBSB -1.6% vs SCHD -33.4%.
Should I hold both BBSB and SCHD?
BBSB and SCHD have a monthly-return correlation of 0.27, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BBSB and SCHD?
BBSB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 177 unique securities.
Which pays a higher dividend, BBSB or SCHD?
BBSB yields 3.95% while SCHD yields 3.31%, so BBSB currently pays the higher dividend yield.
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