BLCR vs SCHD
iShares Large Cap Core Active ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. BLCR delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | BLCR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.36% | 0.06% | |
| AUM | $6.3B | $103.7B | |
| Dividend Yield | 0.28% | 3.31% | |
| Holdings | 39 | 104 | |
| YTD Return | +17.90% | +25.33% | |
| 1Y Return | +32.99% | +32.31% | |
| 3Y Return (annualized) | - | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 16.1% | 13.6% | |
| Max Drawdown | -21.3% | -33.4% | |
| Fund Family | BlackRock, Inc. (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 24, 2023 | Oct 20, 2011 |
BLCR vs SCHD Performance
iShares Large Cap Core Active ETF (BLCR) 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 BLCR returned +32.99% while SCHD returned +32.31%. Year to date, BLCR is up 17.90% versus a gain of 25.33% for SCHD.
Risk: Volatility and Drawdowns
BLCR has been the more volatile fund, with annualized monthly volatility of 16.1% 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 -21.3% for BLCR 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BLCR charges 0.36% per year while SCHD charges 0.06%. On a $10,000 position that is $36 vs $6 annually, a gap of $30 per year that compounds over a long holding period. On income, BLCR currently yields 0.28% against 3.31% for SCHD.
Holdings Overlap
BLCR and SCHD share 3 holdings out of 140 unique holdings combined, representing a 3.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BLCR or SCHD?
BLCR has an expense ratio of 0.36% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $30 per year of difference.
Which performed better, BLCR or SCHD?
Over the past year BLCR returned +32.99% vs +32.31% for SCHD, so BLCR leads on 1-year performance. Over the longest common window we track (3 years), BLCR annualized +29.89% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, BLCR or SCHD?
BLCR has been the more volatile fund at 16.1% annualized versus 13.6% for SCHD. Worst drawdown: BLCR -21.3% vs SCHD -33.4%.
Should I hold both BLCR and SCHD?
BLCR and SCHD have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BLCR and SCHD?
BLCR and SCHD share 3 common holdings with a 3.2% weight overlap. Combined, they hold 140 unique securities.
Which pays a higher dividend, BLCR or SCHD?
BLCR yields 0.28% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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