BFJL vs SCHD
FT Vest Bitcoin Strategy Floor15 ETF - July 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 | BFJL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.90% | 0.06% | |
| AUM | $3M | $103.7B | |
| Dividend Yield | 1.46% | 3.31% | |
| Holdings | 9 | 104 | |
| YTD Return | -5.19% | +25.33% | |
| 1Y Return | -15.78% | +32.31% | |
| 3Y Return (annualized) | - | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 10.1% | 13.6% | |
| Max Drawdown | -21.3% | -33.4% | |
| Fund Family | First Trust Portfolios (US) | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jun 30, 2025 | Oct 20, 2011 |
BFJL vs SCHD Performance
FT Vest Bitcoin Strategy Floor15 ETF - July (BFJL) is a ETF from First Trust Portfolios (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BFJL returned -15.78% while SCHD returned +32.31%. Year to date, BFJL is down 5.19% versus a gain of 25.33% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 10.1% for BFJL. 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 -21.3% for BFJL 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 -0.30. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BFJL charges 0.90% per year while SCHD charges 0.06%. On a $10,000 position that is $90 vs $6 annually, a gap of $84 per year that compounds over a long holding period. On income, BFJL currently yields 1.46% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, BFJL or SCHD?
BFJL has an expense ratio of 0.90% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $84 per year of difference.
Which performed better, BFJL or SCHD?
Over the past year BFJL returned -15.78% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), BFJL annualized -10.30% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, BFJL or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.1% for BFJL. Worst drawdown: BFJL -21.3% vs SCHD -33.4%.
Should I hold both BFJL and SCHD?
BFJL and SCHD have a monthly-return correlation of -0.30, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, BFJL or SCHD?
BFJL yields 1.46% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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