BNDD vs SCHD
BNDD vs SCHD
Quadratic Deflation 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 | BNDD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.02% | 0.06% | |
| AUM | $21M | $103.7B | |
| Dividend Yield | 3.82% | 3.31% | |
| Holdings | 4 | 104 | |
| YTD Return | +2.26% | +24.26% | |
| 1Y Return | +0.44% | +31.38% | |
| 3Y Return (annualized) | -3.89% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 11.4% | 13.6% | |
| Max Drawdown | -30.9% | -33.4% | |
| Fund Family | KraneShares | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 20, 2021 | Oct 20, 2011 |
BNDD vs SCHD Performance
Quadratic Deflation ETF (BNDD) is a ETF from KraneShares and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BNDD returned +0.44% while SCHD returned +31.38%. Year to date, BNDD is up 2.26% versus a gain of 24.26% for SCHD.
Over three years, BNDD compounded at -3.89% per year against +15.08% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs -4.68%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.4% for BNDD. 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 -30.9% for BNDD 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 0.25. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BNDD charges 1.02% per year while SCHD charges 0.06%. On a $10,000 position that is $102 vs $6 annually, a gap of $96 per year that compounds over a long holding period. On income, BNDD currently yields 3.82% against 3.31% for SCHD.
Holdings Overlap
BNDD and SCHD share 0 holdings out of 101 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, BNDD or SCHD?
BNDD has an expense ratio of 1.02% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $96 per year of difference.
Which performed better, BNDD or SCHD?
Over the past year BNDD returned +0.44% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), BNDD annualized -4.68% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BNDD or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.4% for BNDD. Worst drawdown: BNDD -30.9% vs SCHD -33.4%.
Should I hold both BNDD and SCHD?
BNDD and SCHD have a monthly-return correlation of 0.25, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BNDD and SCHD?
BNDD and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, BNDD or SCHD?
BNDD yields 3.82% while SCHD yields 3.31%, so BNDD currently pays the higher dividend yield.
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