BEMB vs SCHD
iShares J.P. Morgan Broad USD Emerging Markets Bond ETF vs Schwab US Dividend Equity ETF
Which is better, BEMB or SCHD?
Emerging Markets Bond against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window.
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 | BEMB | SCHD |
|---|---|---|
| Expense Ratio | 0.15% | 0.06%Best |
| AUM | $42M | $112.1B |
| Dividend Yield | 6.12% | 3.00% |
| Holdings | 260 | 103 |
| YTD Return | -2.00% | +23.46%Best |
| 1Y Return | +0.34% | +27.20%Best |
| 3Y Return (annualized) | +7.37% | +15.41%Best |
| 5Y Return (annualized) | - | +10.16% |
| Volatility (annualized) | 6.0%Best | 13.3% |
| Max Drawdown | -6.2%Best | -16.1% |
| $10,000 over 3.6 years | $12,638 | $15,418Best |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Emerging Markets Bond | Large Cap Value |
| Inception | Feb 22, 2023 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.6 years row, are measured over the window both funds cover: Feb 27, 2023 to Sep 18, 2026 (3.6 years).
BEMB 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 3.6 years both funds cover.
BEMB vs SCHD Performance
iShares J.P. Morgan Broad USD Emerging Markets Bond ETF (BEMB) is an ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year BEMB returned +0.34% while SCHD returned +27.20%. Year to date, BEMB is down 2.00% versus a gain of 23.46% for SCHD.
Over three years, BEMB compounded at +7.37% per year against +15.41% for SCHD. Across the full 4-year window we track, SCHD has the edge at +12.78% annualized vs +6.72%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.3% compared with 6.0% for BEMB. 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 -6.2% for BEMB 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 0.64. They move together some of the time, and apart the rest.
Fees and Cost Over Time
BEMB charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, BEMB currently yields 6.12% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 107 holdings in BEMB and 100 in SCHD, totalling 38.3% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 107 positions we hold weights for in BEMB and 100 in SCHD, against full books of 260 and 103.
You are not choosing between two funds in isolation.
Whichever of BEMB 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, BEMB or SCHD?
BEMB has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option, by $9 a year on a $10,000 investment.
Which performed better, BEMB or SCHD?
Over the past year BEMB returned +0.34% vs +27.20% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), BEMB annualized +6.72% vs +12.78% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BEMB or SCHD?
SCHD has been the more volatile fund at 13.3% annualized versus 6.0% for BEMB. Worst drawdown: BEMB -6.2% vs SCHD -16.1%.
Should I hold both BEMB and SCHD?
BEMB and SCHD have a monthly-return correlation of 0.64, 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, BEMB or SCHD?
BEMB yields 6.12% while SCHD yields 3.00%, so BEMB currently pays the higher dividend yield.
Is SCHD better than BEMB?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.