BSTZ vs SCHD
BlackRock Science and Technology Term Trust vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. BSTZ delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | BSTZ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.05% | 0.06% | |
| AUM | $2.3B | $108.7B | |
| Dividend Yield | 7.94% | 3.13% | |
| Holdings | 75 | 104 | |
| YTD Return | +38.51% | +27.67% | |
| 1Y Return | +61.03% | +31.26% | |
| 3Y Return (annualized) | +34.45% | +16.66% | |
| 5Y Return (annualized) | +5.84% | +10.18% | |
| Volatility (annualized) | 28.8% | 13.6% | |
| Max Drawdown | -59.3% | -33.4% | |
| Fund Family | BlackRock, Inc. (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 26, 2019 | Oct 20, 2011 |
BSTZ vs SCHD Performance
BlackRock Science and Technology Term Trust (BSTZ) 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 BSTZ returned +61.03% while SCHD returned +31.26%. Year to date, BSTZ is up 38.51% versus a gain of 27.67% for SCHD.
Over three years, BSTZ compounded at +34.45% per year against +16.66% for SCHD; over five years the annualized figures are +5.84% and +10.18% respectively. Across the full 7-year window we track, BSTZ has the edge at +14.96% annualized vs +11.57%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BSTZ has been the more volatile fund, with annualized monthly volatility of 28.8% 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 -59.3% for BSTZ 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BSTZ charges 1.05% per year while SCHD charges 0.06%. On a $10,000 position that is $105 vs $6 annually, a gap of $99 per year that compounds over a long holding period. On income, BSTZ currently yields 7.94% against 3.13% for SCHD.
Holdings Overlap
BSTZ and SCHD share 1 holdings out of 154 unique holdings combined, representing a 0.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in BSTZ | Weight in SCHD | Difference |
|---|---|---|---|
| ADP | 0.54% | 2.72% | 2.18% |
Frequently Asked Questions
Which is cheaper, BSTZ or SCHD?
BSTZ has an expense ratio of 1.05% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $99 per year of difference.
Which performed better, BSTZ or SCHD?
Over the past year BSTZ returned +61.03% vs +31.26% for SCHD, so BSTZ leads on 1-year performance. Over the longest common window we track (7 years), BSTZ annualized +14.96% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, BSTZ or SCHD?
BSTZ has been the more volatile fund at 28.8% annualized versus 13.6% for SCHD. Worst drawdown: BSTZ -59.3% vs SCHD -33.4%.
Should I hold both BSTZ and SCHD?
BSTZ and SCHD have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BSTZ and SCHD?
BSTZ and SCHD share 1 common holdings with a 0.5% weight overlap. Combined, they hold 154 unique securities.
Which pays a higher dividend, BSTZ or SCHD?
BSTZ yields 7.94% while SCHD yields 3.13%, so BSTZ currently pays the higher dividend yield.
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