BLUC vs SCHD
BLUC vs SCHD
Bluemonte Large Cap Core 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 | BLUC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.23% | 0.06% | |
| AUM | - | $103.7B | |
| Dividend Yield | - | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | +12.71% | +24.26% | |
| 1Y Return | +21.73% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 13.7% | 13.6% | |
| Max Drawdown | -10.7% | -33.4% | |
| Fund Family | Bluemonte Investment Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 20, 2025 | Oct 20, 2011 |
BLUC vs SCHD Performance
Bluemonte Large Cap Core ETF (BLUC) is a ETF from Bluemonte Investment Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BLUC returned +21.73% while SCHD returned +31.38%. Year to date, BLUC is up 12.71% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
BLUC has been the more volatile fund, with annualized monthly volatility of 13.7% 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 -10.7% for BLUC 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 0.10. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BLUC charges 0.23% per year while SCHD charges 0.06%. On a $10,000 position that is $23 vs $6 annually, a gap of $17 per year that compounds over a long holding period.
Holdings Overlap
BLUC and SCHD share 0 holdings out of 104 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, BLUC or SCHD?
BLUC has an expense ratio of 0.23% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $17 per year of difference.
Which performed better, BLUC or SCHD?
Over the past year BLUC returned +21.73% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), BLUC annualized +25.03% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BLUC or SCHD?
BLUC has been the more volatile fund at 13.7% annualized versus 13.6% for SCHD. Worst drawdown: BLUC -10.7% vs SCHD -33.4%.
Should I hold both BLUC and SCHD?
BLUC and SCHD have a monthly-return correlation of 0.10, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BLUC and SCHD?
BLUC and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 104 unique securities.
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