BCHP vs SCHD
Principal Focused Blue Chip ETF vs Schwab US Dividend Equity ETF
Which is better, BCHP or SCHD?
Large Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 73.7%.
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 | BCHP | SCHD |
|---|---|---|
| Expense Ratio | 0.58% | 0.06%Best |
| AUM | $243M | $112.2B |
| Dividend Yield | 0.00% | 3.13% |
| Holdings | 25 | 103 |
| YTD Return | +2.66% | +27.56%Best |
| 1Y Return | +0.79% | +30.29%Best |
| 3Y Return (annualized) | +14.37% | +16.37%Best |
| 5Y Return (annualized) | - | +10.23% |
| Volatility (annualized) | 15.3% | 13.2%Best |
| Max Drawdown | -18.6% | -16.1%Best |
| $10,000 over 3.1 years | $15,224 | $15,699Best |
| Top 10 Weight | 73.7% | 41.5%Best |
| Fund Family | Principal Funds | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Value |
| Inception | Jul 12, 2023 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3.1 years row, are measured over the window both funds cover: Jul 13, 2023 to Sep 4, 2026 (3.1 years).
BCHP 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 3.1 years both funds cover.
BCHP vs SCHD Performance
Principal Focused Blue Chip ETF (BCHP) is an ETF from Principal Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year BCHP returned +0.79% while SCHD returned +30.29%. Year to date, BCHP is up 2.66% versus a gain of 27.56% for SCHD.
Over three years, BCHP compounded at +14.37% per year against +16.37% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BCHP has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 13.2% 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 -16.1% 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 0.32. They move together some of the time, and apart the rest.
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
0.1% of SCHD's money is in holdings BCHP also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 24 positions we hold weights for in BCHP and 100 in SCHD, against full books of 25 and 103.
What only one of them owns
Our book lists 98 positions for SCHD that do not appear in our book for BCHP (99.8% of the fund), and 22 for BCHP that do not appear in SCHD (91.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in BCHP | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXXState Street Institutional US Government Money Market Fund | 0.00% | 0.05% | 0.05% |
You are not choosing between two funds in isolation.
Whichever of BCHP 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, BCHP or SCHD?
BCHP has an expense ratio of 0.58% while SCHD charges 0.06%. SCHD is the cheaper option, by $52 a year on a $10,000 investment.
Which performed better, BCHP or SCHD?
Over the past year BCHP returned +0.79% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BCHP or SCHD?
BCHP has been the more volatile fund at 15.3% annualized versus 13.2% for SCHD. Worst drawdown: BCHP -18.6% vs SCHD -16.1%.
Should I hold both BCHP and SCHD?
BCHP and SCHD have a monthly-return correlation of 0.32, 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, BCHP or SCHD?
BCHP yields 0.00% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than BCHP?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 73.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.