BGY vs SCHD
BlackRock Enhanced International Dividend Trust 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 | BGY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.06% | |
| AUM | $568M | $103.7B | |
| Dividend Yield | 8.00% | 3.31% | |
| Holdings | 127 | 104 | |
| YTD Return | +5.25% | +25.62% | |
| 1Y Return | +12.25% | +32.62% | |
| 3Y Return (annualized) | +12.60% | +15.58% | |
| 5Y Return (annualized) | +6.51% | +9.63% | |
| Volatility (annualized) | 19.1% | 13.6% | |
| Max Drawdown | -80.9% | -33.4% | |
| Fund Family | BlackRock, Inc. (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 25, 2007 | Oct 20, 2011 |
BGY vs SCHD Performance
BlackRock Enhanced International Dividend Trust (BGY) is a ETF from BlackRock, Inc. (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BGY returned +12.25% while SCHD returned +32.62%. Year to date, BGY is up 5.25% versus a gain of 25.62% for SCHD.
Over three years, BGY compounded at +12.60% per year against +15.58% for SCHD; over five years the annualized figures are +6.51% and +9.63% respectively. Across the full 15-year window we track, SCHD has the edge at +11.47% annualized vs -4.04%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BGY has been the more volatile fund, with annualized monthly volatility of 19.1% compared with 13.6% for SCHD. 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 -80.9% for BGY 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BGY charges 0.99% per year while SCHD charges 0.06%. On a $10,000 position that is $99 vs $6 annually, a gap of $93 per year that compounds over a long holding period. On income, BGY currently yields 8.00% against 3.31% for SCHD.
Holdings Overlap
BGY and SCHD share 0 holdings out of 148 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, BGY or SCHD?
BGY has an expense ratio of 0.99% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $93 per year of difference.
Which performed better, BGY or SCHD?
Over the past year BGY returned +12.25% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), BGY annualized -4.04% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, BGY or SCHD?
BGY has been the more volatile fund at 19.1% annualized versus 13.6% for SCHD. Worst drawdown: BGY -80.9% vs SCHD -33.4%.
Should I hold both BGY and SCHD?
BGY and SCHD have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BGY and SCHD?
BGY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 148 unique securities.
Which pays a higher dividend, BGY or SCHD?
BGY yields 8.00% while SCHD yields 3.31%, so BGY currently pays the higher dividend yield.
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