BCKT vs SCHD
LifeX 2030 Income Bucket 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 103 holdings.
Side-by-Side Comparison
| Metric | BCKT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $2M | $112.2B | |
| Dividend Yield | 20.32% | 3.13% | |
| Holdings | 38 | 103 | |
| YTD Return | -7.08% | +27.60% | |
| 1Y Return | -6.07% | +29.63% | |
| 3Y Return (annualized) | - | +16.43% | |
| 5Y Return (annualized) | - | +10.05% | |
| Volatility (annualized) | 3.7% | 13.6% | |
| Max Drawdown | -7.9% | -33.4% | |
| Fund Family | Stone Ridge Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 24, 2025 | Oct 20, 2011 |
BCKT vs SCHD Performance
LifeX 2030 Income Bucket ETF (BCKT) is a ETF from Stone Ridge Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BCKT returned -6.07% while SCHD returned +29.63%. Year to date, BCKT is down 7.08% versus a gain of 27.60% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 3.7% for BCKT. 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 -7.9% for BCKT 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 0.13. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BCKT charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, BCKT currently yields 20.32% against 3.13% for SCHD.
Holdings Overlap
BCKT and SCHD share 0 holdings out of 123 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, BCKT or SCHD?
BCKT has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, BCKT or SCHD?
Over the past year BCKT returned -6.07% vs +29.63% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, BCKT or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 3.7% for BCKT. Worst drawdown: BCKT -7.9% vs SCHD -33.4%.
Should I hold both BCKT and SCHD?
BCKT and SCHD have a monthly-return correlation of 0.13, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BCKT and SCHD?
BCKT and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 123 unique securities.
Which pays a higher dividend, BCKT or SCHD?
BCKT yields 20.32% while SCHD yields 3.13%, so BCKT currently pays the higher dividend yield.
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