BTR vs SCHD
BTR vs SCHD
Beacon Tactical Risk 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 | BTR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.08% | 0.06% | |
| AUM | $33M | $103.7B | |
| Dividend Yield | 1.18% | 3.31% | |
| Holdings | 12 | 104 | |
| YTD Return | +11.20% | +24.26% | |
| 1Y Return | +18.48% | +31.38% | |
| 3Y Return (annualized) | +5.34% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 11.3% | 13.6% | |
| Max Drawdown | -16.7% | -33.4% | |
| Fund Family | Beacon Capital Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 17, 2023 | Oct 20, 2011 |
BTR vs SCHD Performance
Beacon Tactical Risk ETF (BTR) is a ETF from Beacon Capital Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BTR returned +18.48% while SCHD returned +31.38%. Year to date, BTR is up 11.20% versus a gain of 24.26% for SCHD.
Over three years, BTR compounded at +5.34% per year against +15.08% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.39% annualized vs +4.82%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.3% for BTR. 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 -16.7% for BTR 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BTR charges 1.08% per year while SCHD charges 0.06%. On a $10,000 position that is $108 vs $6 annually, a gap of $102 per year that compounds over a long holding period. On income, BTR currently yields 1.18% against 3.31% for SCHD.
Holdings Overlap
BTR and SCHD share 0 holdings out of 107 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, BTR or SCHD?
BTR has an expense ratio of 1.08% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $102 per year of difference.
Which performed better, BTR or SCHD?
Over the past year BTR returned +18.48% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), BTR annualized +4.82% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BTR or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.3% for BTR. Worst drawdown: BTR -16.7% vs SCHD -33.4%.
Should I hold both BTR and SCHD?
BTR and SCHD have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BTR and SCHD?
BTR and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 107 unique securities.
Which pays a higher dividend, BTR or SCHD?
BTR yields 1.18% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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