BRIF vs SCHD
FIS Bright Portfolios Focused Equity 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 | BRIF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.06% | |
| AUM | $154M | $103.7B | |
| Dividend Yield | 0.42% | 3.31% | |
| Holdings | 48 | 104 | |
| YTD Return | +2.53% | +24.26% | |
| 1Y Return | +16.36% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 9.2% | 13.6% | |
| Max Drawdown | -17.2% | -33.4% | |
| Fund Family | Faith Investor Services | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 20, 2024 | Oct 20, 2011 |
BRIF vs SCHD Performance
FIS Bright Portfolios Focused Equity ETF (BRIF) is a ETF from Faith Investor Services and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BRIF returned +16.36% while SCHD returned +31.38%. Year to date, BRIF is up 2.53% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.2% for BRIF. 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 -17.2% for BRIF 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 0.07. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BRIF charges 0.65% per year while SCHD charges 0.06%. On a $10,000 position that is $65 vs $6 annually, a gap of $59 per year that compounds over a long holding period. On income, BRIF currently yields 0.42% against 3.31% for SCHD.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, BRIF or SCHD?
BRIF has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, BRIF or SCHD?
Over the past year BRIF returned +16.36% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), BRIF annualized +19.18% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BRIF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.2% for BRIF. Worst drawdown: BRIF -17.2% vs SCHD -33.4%.
Should I hold both BRIF and SCHD?
BRIF and SCHD have a monthly-return correlation of 0.07, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BRIF and SCHD?
BRIF and SCHD share 2 common holdings with a 3.6% weight overlap. Combined, they hold 145 unique securities.
Which pays a higher dividend, BRIF or SCHD?
BRIF yields 0.42% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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