BTC vs SCHD
Grayscale Bitcoin Mini Trust 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 | BTC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $3.8B | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 1 | 104 | |
| YTD Return | -27.71% | +24.26% | |
| 1Y Return | -44.83% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 45.2% | 13.6% | |
| Max Drawdown | -53.3% | -33.4% | |
| Fund Family | Grayscale | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jul 31, 2024 | Oct 20, 2011 |
BTC vs SCHD Performance
Grayscale Bitcoin Mini Trust ETF (BTC) is a ETF from Grayscale and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BTC returned -44.83% while SCHD returned +31.38%. Year to date, BTC is down 27.71% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
BTC has been the more volatile fund, with annualized monthly volatility of 45.2% 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 -53.3% for BTC 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 -0.09. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BTC charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, BTC currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, BTC or SCHD?
BTC has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, BTC or SCHD?
Over the past year BTC returned -44.83% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), BTC annualized -0.37% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BTC or SCHD?
BTC has been the more volatile fund at 45.2% annualized versus 13.6% for SCHD. Worst drawdown: BTC -53.3% vs SCHD -33.4%.
Should I hold both BTC and SCHD?
BTC and SCHD have a monthly-return correlation of -0.09, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, BTC or SCHD?
BTC yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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