BTOT vs SCHD
iShares Total USD Fixed Income Market ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. BTOT offers more diversification with 1,057 holdings.
Side-by-Side Comparison
| Metric | BTOT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.06% | |
| AUM | $29M | $108.7B | |
| Dividend Yield | 2.52% | 3.13% | |
| Holdings | 1,057 | 104 | |
| YTD Return | +0.78% | +28.70% | |
| 1Y Return | - | +31.07% | |
| 3Y Return (annualized) | - | +16.88% | |
| 5Y Return (annualized) | - | +10.20% | |
| Volatility (annualized) | - | 13.7% | |
| Max Drawdown | -2.4% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Dec 10, 2025 | Oct 20, 2011 |
BTOT vs SCHD Performance
iShares Total USD Fixed Income Market ETF (BTOT) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, BTOT is up 0.78% versus a gain of 28.70% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -2.4% for BTOT and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
BTOT charges 0.09% per year while SCHD charges 0.06%. On a $10,000 position that is $9 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, BTOT currently yields 2.52% against 3.13% for SCHD.
Holdings Overlap
BTOT and SCHD share 0 holdings out of 972 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, BTOT or SCHD?
BTOT has an expense ratio of 0.09% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
What is the holdings overlap between BTOT and SCHD?
BTOT and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 972 unique securities.
Which pays a higher dividend, BTOT or SCHD?
BTOT yields 2.52% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.