BCUS vs SCHD
BCUS vs SCHD
Bancreek US 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 | BCUS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.70% | 0.06% | |
| AUM | $152M | $103.7B | |
| Dividend Yield | 0.27% | 3.31% | |
| Holdings | 31 | 104 | |
| YTD Return | +11.21% | +24.26% | |
| 1Y Return | +14.28% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 12.5% | 13.6% | |
| Max Drawdown | -18.2% | -33.4% | |
| Fund Family | Bancreek Capital Advisors | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 20, 2023 | Oct 20, 2011 |
BCUS vs SCHD Performance
Bancreek US Large Cap ETF (BCUS) 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 BCUS returned +14.28% while SCHD returned +31.38%. Year to date, BCUS is up 11.21% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.5% for BCUS. 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 -18.2% for BCUS 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 0.49. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BCUS charges 0.70% per year while SCHD charges 0.06%. On a $10,000 position that is $70 vs $6 annually, a gap of $64 per year that compounds over a long holding period. On income, BCUS currently yields 0.27% against 3.31% for SCHD.
Holdings Overlap
BCUS 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, BCUS or SCHD?
BCUS has an expense ratio of 0.70% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $64 per year of difference.
Which performed better, BCUS or SCHD?
Over the past year BCUS returned +14.28% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), BCUS annualized +15.07% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BCUS or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 12.5% for BCUS. Worst drawdown: BCUS -18.2% vs SCHD -33.4%.
Should I hold both BCUS and SCHD?
BCUS and SCHD have a monthly-return correlation of 0.49, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BCUS and SCHD?
BCUS and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 130 unique securities.
Which pays a higher dividend, BCUS or SCHD?
BCUS yields 0.27% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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