BSV vs SCHD
Vanguard Short-Term Bond ETF vs Schwab US Dividend Equity ETF
Which is better, BSV or SCHD?
Short Term Bond against Large Cap Value.
BSV has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | BSV | SCHD |
|---|---|---|
| Expense Ratio | 0.03%Best | 0.06% |
| AUM | $45.6B | $112.1B |
| Dividend Yield | 4.01% | 3.00% |
| Holdings | 3,205 | 103 |
| YTD Return | -0.08% | +23.46%Best |
| 1Y Return | +1.05% | +27.20%Best |
| 3Y Return (annualized) | +4.27% | +15.41%Best |
| 5Y Return (annualized) | +1.47% | +10.16%Best |
| Volatility (annualized) | 2.0%Best | 13.7% |
| Max Drawdown | -9.0%Best | -33.4% |
| $10,000 over 5 years | $10,757 | $16,223Best |
| Fund Family | Vanguard (US) | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Short Term Bond | Large Cap Value |
| Inception | Apr 3, 2007 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 18, 2026 (14.9 years).
BSV vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
BSV vs SCHD Performance
Vanguard Short-Term Bond ETF (BSV) is an ETF from Vanguard (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year BSV returned +1.05% while SCHD returned +27.20%. Year to date, BSV is down 0.08% versus a gain of 23.46% for SCHD.
Over three years, BSV compounded at +4.27% per year against +15.41% for SCHD; over five years the annualized figures are +1.47% and +10.16% respectively. Across the full 15-year window we track, SCHD has the edge at +11.25% annualized vs +0.61%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 2.0% for BSV. 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 -9.0% for BSV and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.19. They move largely independently of each other.
Fees and Cost Over Time
BSV charges 0.03% per year while SCHD charges 0.06%. On a $10,000 position that is $3 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, BSV currently yields 4.01% against 3.00% for SCHD.
Holdings Overlap
At least 7.9% of SCHD's money is in holdings BSV also owns.
Stated as a floor: for BSV, our book for it covers 63.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
SCHD and BSV share little of their money.
3 positions in common, counted across the 1,013 positions we hold weights for in BSV and 100 in SCHD, against full books of 3,205 and 103.
You are not choosing between two funds in isolation.
Whichever of BSV and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, BSV or SCHD?
BSV has an expense ratio of 0.03% while SCHD charges 0.06%. BSV is the cheaper option, by $3 a year on a $10,000 investment.
Which performed better, BSV or SCHD?
Over the past year BSV returned +1.05% vs +27.20% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), BSV annualized +0.61% vs +11.25% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BSV or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 2.0% for BSV. Worst drawdown: BSV -9.0% vs SCHD -33.4%.
Should I hold both BSV and SCHD?
BSV and SCHD have a monthly-return correlation of 0.19, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between BSV and SCHD?
At least 7.9% of SCHD's money is in holdings BSV also owns. Our book for BSV is partial, so the real figure is this or higher. They hold 3 positions in common, counted across the 1,013 positions we hold weights for in BSV and 100 in SCHD.
Which pays a higher dividend, BSV or SCHD?
BSV yields 4.01% while SCHD yields 3.00%, so BSV currently pays the higher dividend yield.
Is SCHD better than BSV?
BSV has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.