BINV vs SCHD
Brandes International ETF 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 | BINV | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.70% | 0.06% | |
| AUM | $512M | $103.7B | |
| Dividend Yield | 2.21% | 3.31% | |
| Holdings | 74 | 104 | |
| YTD Return | +13.50% | +24.26% | |
| 1Y Return | +26.94% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 12.3% | 13.6% | |
| Max Drawdown | -14.9% | -33.4% | |
| Fund Family | Brandes Investment Partners | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 3, 2023 | Oct 20, 2011 |
BINV vs SCHD Performance
Brandes International ETF (BINV) is a ETF from Brandes Investment Partners and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BINV returned +26.94% while SCHD returned +31.38%. Year to date, BINV is up 13.50% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.3% for BINV. 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 -14.9% for BINV 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BINV charges 0.70% per year while SCHD charges 0.06%. On a $10,000 position that is $70 vs $6 annually, a gap of $64 per year that compounds over a long holding period. On income, BINV currently yields 2.21% against 3.31% for SCHD.
Holdings Overlap
BINV and SCHD share 0 holdings out of 167 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, BINV or SCHD?
BINV has an expense ratio of 0.70% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $64 per year of difference.
Which performed better, BINV or SCHD?
Over the past year BINV returned +26.94% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), BINV annualized +25.71% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BINV or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 12.3% for BINV. Worst drawdown: BINV -14.9% vs SCHD -33.4%.
Should I hold both BINV and SCHD?
BINV and SCHD have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BINV and SCHD?
BINV and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 167 unique securities.
Which pays a higher dividend, BINV or SCHD?
BINV yields 2.21% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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