BUCK vs SCHD
Simplify Treasury Option 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 100 holdings.
Side-by-Side Comparison
| Metric | BUCK | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $484M | $103.7B | |
| Dividend Yield | 7.32% | 3.31% | |
| Holdings | 7 | 104 | |
| YTD Return | +2.34% | +25.33% | |
| 1Y Return | +5.58% | +32.31% | |
| 3Y Return (annualized) | +5.14% | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 2.6% | 13.6% | |
| Max Drawdown | -5.4% | -33.4% | |
| Fund Family | Simplify Exchange Traded Funds | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Oct 27, 2022 | Oct 20, 2011 |
BUCK vs SCHD Performance
Simplify Treasury Option Income ETF (BUCK) is a ETF from Simplify Exchange Traded Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BUCK returned +5.58% while SCHD returned +32.31%. Year to date, BUCK is up 2.34% versus a gain of 25.33% for SCHD.
Over three years, BUCK compounded at +5.14% per year against +15.40% for SCHD. Across the full 4-year window we track, SCHD has the edge at +11.45% annualized vs +4.99%. 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 2.6% for BUCK. 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 -5.4% for BUCK 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 0.41. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BUCK charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, BUCK currently yields 7.32% against 3.31% for SCHD.
Holdings Overlap
BUCK and SCHD share 0 holdings out of 101 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, BUCK or SCHD?
BUCK has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, BUCK or SCHD?
Over the past year BUCK returned +5.58% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), BUCK annualized +4.99% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, BUCK or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 2.6% for BUCK. Worst drawdown: BUCK -5.4% vs SCHD -33.4%.
Should I hold both BUCK and SCHD?
BUCK and SCHD have a monthly-return correlation of 0.41, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BUCK and SCHD?
BUCK and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, BUCK or SCHD?
BUCK yields 7.32% while SCHD yields 3.31%, so BUCK currently pays the higher dividend yield.
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