BKF vs SCHD
iShares MSCI BIC ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. BKF offers more diversification with 669 holdings.
Side-by-Side Comparison
| Metric | BKF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.72% | 0.06% | |
| AUM | $75M | $103.7B | |
| Dividend Yield | 1.63% | 3.31% | |
| Holdings | 712 | 104 | |
| YTD Return | -7.31% | +25.33% | |
| 1Y Return | +1.46% | +32.31% | |
| 3Y Return (annualized) | +8.00% | +15.40% | |
| 5Y Return (annualized) | -1.53% | +9.70% | |
| Volatility (annualized) | 23.2% | 13.6% | |
| Max Drawdown | -70.4% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 12, 2007 | Oct 20, 2011 |
BKF vs SCHD Performance
iShares MSCI BIC ETF (BKF) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BKF returned +1.46% while SCHD returned +32.31%. Year to date, BKF is down 7.31% versus a gain of 25.33% for SCHD.
Over three years, BKF compounded at +8.00% per year against +15.40% for SCHD; over five years the annualized figures are -1.53% and +9.70% respectively. Across the full 15-year window we track, SCHD has the edge at +11.45% annualized vs -1.19%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BKF has been the more volatile fund, with annualized monthly volatility of 23.2% 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 -70.4% for BKF 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BKF charges 0.72% per year while SCHD charges 0.06%. On a $10,000 position that is $72 vs $6 annually, a gap of $66 per year that compounds over a long holding period. On income, BKF currently yields 1.63% against 3.31% for SCHD.
Holdings Overlap
BKF and SCHD share 0 holdings out of 769 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, BKF or SCHD?
BKF has an expense ratio of 0.72% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, BKF or SCHD?
Over the past year BKF returned +1.46% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), BKF annualized -1.19% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, BKF or SCHD?
BKF has been the more volatile fund at 23.2% annualized versus 13.6% for SCHD. Worst drawdown: BKF -70.4% vs SCHD -33.4%.
Should I hold both BKF and SCHD?
BKF and SCHD have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BKF and SCHD?
BKF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 769 unique securities.
Which pays a higher dividend, BKF or SCHD?
BKF yields 1.63% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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