BTCI vs SCHD
NEOS Bitcoin High Income 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 104 holdings.
Side-by-Side Comparison
| Metric | BTCI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.06% | |
| AUM | $1.1B | $108.7B | |
| Dividend Yield | 41.21% | 3.13% | |
| Holdings | 9 | 104 | |
| YTD Return | -34.37% | +28.63% | |
| 1Y Return | -47.48% | +32.53% | |
| 3Y Return (annualized) | - | +16.97% | |
| 5Y Return (annualized) | - | +10.47% | |
| Volatility (annualized) | 41.4% | 13.7% | |
| Max Drawdown | -55.9% | -33.4% | |
| Fund Family | NEOS | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Oct 16, 2024 | Oct 20, 2011 |
BTCI vs SCHD Performance
NEOS Bitcoin High Income ETF (BTCI) is a ETF from NEOS and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BTCI returned -47.48% while SCHD returned +32.53%. Year to date, BTCI is down 34.37% versus a gain of 28.63% for SCHD.
Risk: Volatility and Drawdowns
BTCI has been the more volatile fund, with annualized monthly volatility of 41.4% compared with 13.7% 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 -55.9% for BTCI 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 -0.10. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BTCI charges 0.99% per year while SCHD charges 0.06%. On a $10,000 position that is $99 vs $6 annually, a gap of $93 per year that compounds over a long holding period. On income, BTCI currently yields 41.21% against 3.13% for SCHD.
Holdings Overlap
BTCI and SCHD share 0 holdings out of 102 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, BTCI or SCHD?
BTCI has an expense ratio of 0.99% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $93 per year of difference.
Which performed better, BTCI or SCHD?
Over the past year BTCI returned -47.48% vs +32.53% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), BTCI annualized -9.62% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, BTCI or SCHD?
BTCI has been the more volatile fund at 41.4% annualized versus 13.7% for SCHD. Worst drawdown: BTCI -55.9% vs SCHD -33.4%.
Should I hold both BTCI and SCHD?
BTCI and SCHD have a monthly-return correlation of -0.10, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BTCI and SCHD?
BTCI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, BTCI or SCHD?
BTCI yields 41.21% while SCHD yields 3.13%, so BTCI currently pays the higher dividend yield.
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