BFEB vs SCHD
BFEB vs SCHD
Innovator US Equity Buffer ETF - February 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 | BFEB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.06% | |
| AUM | $254M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 6 | 104 | |
| YTD Return | +10.61% | +24.26% | |
| 1Y Return | +18.61% | +31.38% | |
| 3Y Return (annualized) | +16.08% | +15.08% | |
| 5Y Return (annualized) | +11.74% | +9.72% | |
| Volatility (annualized) | 11.2% | 13.6% | |
| Max Drawdown | -26.4% | -33.4% | |
| Fund Family | Innovator ETFs Trust | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Feb 3, 2020 | Oct 20, 2011 |
BFEB vs SCHD Performance
Innovator US Equity Buffer ETF - February (BFEB) is a ETF from Innovator ETFs Trust and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BFEB returned +18.61% while SCHD returned +31.38%. Year to date, BFEB is up 10.61% versus a gain of 24.26% for SCHD.
Over three years, BFEB compounded at +16.08% per year against +15.08% for SCHD; over five years the annualized figures are +11.74% and +9.72% respectively. Across the full 7-year window we track, BFEB has the edge at +12.74% annualized vs +11.39%. 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 11.2% for BFEB. 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 -26.4% for BFEB 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BFEB charges 0.79% per year while SCHD charges 0.06%. On a $10,000 position that is $79 vs $6 annually, a gap of $73 per year that compounds over a long holding period. On income, BFEB currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, BFEB or SCHD?
BFEB has an expense ratio of 0.79% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $73 per year of difference.
Which performed better, BFEB or SCHD?
Over the past year BFEB returned +18.61% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), BFEB annualized +12.74% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BFEB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.2% for BFEB. Worst drawdown: BFEB -26.4% vs SCHD -33.4%.
Should I hold both BFEB and SCHD?
BFEB and SCHD have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, BFEB or SCHD?
BFEB yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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