BCIL vs SCHD
Bancreek International Large Cap 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 100 holdings.
Side-by-Side Comparison
| Metric | BCIL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.80% | 0.06% | |
| AUM | $90M | $103.7B | |
| Dividend Yield | 0.74% | 3.31% | |
| Holdings | 31 | 104 | |
| YTD Return | +7.20% | +25.33% | |
| 1Y Return | +2.32% | +32.31% | |
| 3Y Return (annualized) | - | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 15.7% | 13.6% | |
| Max Drawdown | -16.2% | -33.4% | |
| Fund Family | Bancreek Capital Advisors | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Mar 21, 2024 | Oct 20, 2011 |
BCIL vs SCHD Performance
Bancreek International Large Cap ETF (BCIL) is a ETF from Bancreek Capital Advisors and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BCIL returned +2.32% while SCHD returned +32.31%. Year to date, BCIL is up 7.20% versus a gain of 25.33% for SCHD.
Risk: Volatility and Drawdowns
BCIL has been the more volatile fund, with annualized monthly volatility of 15.7% 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 -16.2% for BCIL 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
BCIL charges 0.80% per year while SCHD charges 0.06%. On a $10,000 position that is $80 vs $6 annually, a gap of $74 per year that compounds over a long holding period. On income, BCIL currently yields 0.74% against 3.31% for SCHD.
Holdings Overlap
BCIL and SCHD share 0 holdings out of 130 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, BCIL or SCHD?
BCIL has an expense ratio of 0.80% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $74 per year of difference.
Which performed better, BCIL or SCHD?
Over the past year BCIL returned +2.32% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), BCIL annualized +8.27% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, BCIL or SCHD?
BCIL has been the more volatile fund at 15.7% annualized versus 13.6% for SCHD. Worst drawdown: BCIL -16.2% vs SCHD -33.4%.
Should I hold both BCIL and SCHD?
BCIL 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 BCIL and SCHD?
BCIL and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 130 unique securities.
Which pays a higher dividend, BCIL or SCHD?
BCIL yields 0.74% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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