BITQ vs SCHD
Bitwise Crypto Industry Innovators 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 | BITQ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.06% | |
| AUM | $396M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 30 | 104 | |
| YTD Return | +4.47% | +25.33% | |
| 1Y Return | +12.30% | +32.31% | |
| 3Y Return (annualized) | +37.76% | +15.40% | |
| 5Y Return (annualized) | -2.39% | +9.70% | |
| Volatility (annualized) | 70.9% | 13.6% | |
| Max Drawdown | -90.3% | -33.4% | |
| Fund Family | Bitwise | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | May 11, 2021 | Oct 20, 2011 |
BITQ vs SCHD Performance
Bitwise Crypto Industry Innovators ETF (BITQ) is a ETF from Bitwise and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BITQ returned +12.30% while SCHD returned +32.31%. Year to date, BITQ is up 4.47% versus a gain of 25.33% for SCHD.
Over three years, BITQ compounded at +37.76% per year against +15.40% for SCHD; over five years the annualized figures are -2.39% and +9.70% respectively. Across the full 5-year window we track, SCHD has the edge at +11.45% annualized vs +0.08%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BITQ has been the more volatile fund, with annualized monthly volatility of 70.9% 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 -90.3% for BITQ 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BITQ charges 0.85% per year while SCHD charges 0.06%. On a $10,000 position that is $85 vs $6 annually, a gap of $79 per year that compounds over a long holding period. On income, BITQ currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
BITQ and SCHD share 0 holdings out of 130 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, BITQ or SCHD?
BITQ has an expense ratio of 0.85% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $79 per year of difference.
Which performed better, BITQ or SCHD?
Over the past year BITQ returned +12.30% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), BITQ annualized +0.08% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, BITQ or SCHD?
BITQ has been the more volatile fund at 70.9% annualized versus 13.6% for SCHD. Worst drawdown: BITQ -90.3% vs SCHD -33.4%.
Should I hold both BITQ and SCHD?
BITQ and SCHD have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BITQ and SCHD?
BITQ and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 130 unique securities.
Which pays a higher dividend, BITQ or SCHD?
BITQ yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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