BEMB vs SCHD
BEMB vs SCHD
iShares J.P. Morgan Broad USD Emerging Markets Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. BEMB offers more diversification with 109 holdings.
Side-by-Side Comparison
| Metric | BEMB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $42M | $103.7B | |
| Dividend Yield | 6.07% | 3.31% | |
| Holdings | 259 | 104 | |
| YTD Return | -0.49% | +24.26% | |
| 1Y Return | +4.06% | +31.38% | |
| 3Y Return (annualized) | +7.39% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 6.0% | 13.6% | |
| Max Drawdown | -6.2% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 22, 2023 | Oct 20, 2011 |
BEMB vs SCHD Performance
iShares J.P. Morgan Broad USD Emerging Markets Bond ETF (BEMB) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BEMB returned +4.06% while SCHD returned +31.38%. Year to date, BEMB is down 0.49% versus a gain of 24.26% for SCHD.
Over three years, BEMB compounded at +7.39% per year against +15.08% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.39% annualized vs +7.43%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% 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 -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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
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 6.07% against 3.31% for SCHD.
Holdings Overlap
BEMB and SCHD share 0 holdings out of 209 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, BEMB or SCHD?
BEMB has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, BEMB or SCHD?
Over the past year BEMB returned +4.06% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), BEMB annualized +7.43% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BEMB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 6.0% for BEMB. Worst drawdown: BEMB -6.2% vs SCHD -33.4%.
Should I hold both BEMB and SCHD?
BEMB and SCHD have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BEMB and SCHD?
BEMB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 209 unique securities.
Which pays a higher dividend, BEMB or SCHD?
BEMB yields 6.07% while SCHD yields 3.31%, so BEMB currently pays the higher dividend yield.
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