BCHP vs SCHD
Principal Focused Blue Chip ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | BCHP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.58% | 0.06% | |
| AUM | $244M | $108.7B | |
| Dividend Yield | 0.00% | 3.13% | |
| Holdings | 25 | 104 | |
| YTD Return | +4.60% | +26.54% | |
| 1Y Return | +2.97% | +30.90% | |
| 3Y Return (annualized) | +16.11% | +16.29% | |
| 5Y Return (annualized) | - | +9.65% | |
| Volatility (annualized) | 15.6% | 13.6% | |
| Max Drawdown | -18.6% | -33.4% | |
| Fund Family | Principal Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jul 12, 2023 | Oct 20, 2011 |
BCHP vs SCHD Performance
Principal Focused Blue Chip ETF (BCHP) is a ETF from Principal Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BCHP returned +2.97% while SCHD returned +30.90%. Year to date, BCHP is up 4.60% versus a gain of 26.54% for SCHD.
Over three years, BCHP compounded at +16.11% per year against +16.29% for SCHD. Across the full 3-year window we track, BCHP has the edge at +15.50% annualized vs +11.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BCHP has been the more volatile fund, with annualized monthly volatility of 15.6% compared with 13.6% for SCHD. 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 -18.6% for BCHP 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BCHP charges 0.58% per year while SCHD charges 0.06%. On a $10,000 position that is $58 vs $6 annually, a gap of $52 per year that compounds over a long holding period. On income, BCHP currently yields 0.00% against 3.13% for SCHD.
Holdings Overlap
BCHP and SCHD share 1 holdings out of 122 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in BCHP | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 0.45% | 0.05% | 0.40% |
Frequently Asked Questions
Which is cheaper, BCHP or SCHD?
BCHP has an expense ratio of 0.58% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, BCHP or SCHD?
Over the past year BCHP returned +2.97% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), BCHP annualized +15.50% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, BCHP or SCHD?
BCHP has been the more volatile fund at 15.6% annualized versus 13.6% for SCHD. Worst drawdown: BCHP -18.6% vs SCHD -33.4%.
Should I hold both BCHP and SCHD?
BCHP and SCHD have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BCHP and SCHD?
BCHP and SCHD share 1 common holdings with a 0.1% weight overlap. Combined, they hold 122 unique securities.
Which pays a higher dividend, BCHP or SCHD?
BCHP yields 0.00% while SCHD yields 3.13%, so SCHD 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.