BLES vs SCHD
Inspire Global Hope ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. BLES offers more diversification with 399 holdings.
Side-by-Side Comparison
| Metric | BLES | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.58% | 0.06% | |
| AUM | $159M | $103.7B | |
| Dividend Yield | 1.84% | 3.31% | |
| Holdings | 817 | 104 | |
| YTD Return | +15.45% | +24.26% | |
| 1Y Return | +23.72% | +31.38% | |
| 3Y Return (annualized) | +15.87% | +15.08% | |
| 5Y Return (annualized) | +8.44% | +9.72% | |
| Volatility (annualized) | 17.5% | 13.6% | |
| Max Drawdown | -40.4% | -33.4% | |
| Fund Family | Inspire ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 27, 2017 | Oct 20, 2011 |
BLES vs SCHD Performance
Inspire Global Hope ETF (BLES) is a ETF from Inspire ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BLES returned +23.72% while SCHD returned +31.38%. Year to date, BLES is up 15.45% versus a gain of 24.26% for SCHD.
Over three years, BLES compounded at +15.87% per year against +15.08% for SCHD; over five years the annualized figures are +8.44% and +9.72% respectively. Across the full 9-year window we track, SCHD has the edge at +11.39% annualized vs +9.53%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BLES has been the more volatile fund, with annualized monthly volatility of 17.5% 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 -40.4% for BLES 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BLES charges 0.58% per year while SCHD charges 0.06%. On a $10,000 position that is $58 vs $6 annually, a gap of $52 per year that compounds over a long holding period. On income, BLES currently yields 1.84% against 3.31% for SCHD.
Holdings Overlap
BLES and SCHD share 14 holdings out of 485 unique holdings combined, representing a 3.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BLES or SCHD?
BLES has an expense ratio of 0.58% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, BLES or SCHD?
Over the past year BLES returned +23.72% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), BLES annualized +9.53% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BLES or SCHD?
BLES has been the more volatile fund at 17.5% annualized versus 13.6% for SCHD. Worst drawdown: BLES -40.4% vs SCHD -33.4%.
Should I hold both BLES and SCHD?
BLES and SCHD have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BLES and SCHD?
BLES and SCHD share 14 common holdings with a 3.4% weight overlap. Combined, they hold 485 unique securities.
Which pays a higher dividend, BLES or SCHD?
BLES yields 1.84% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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