BUFG vs SCHD
BUFG vs SCHD
FT Vest Buffered Allocation Growth 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 | BUFG | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.13% | 0.06% | |
| AUM | $324M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 8 | 104 | |
| YTD Return | +8.45% | +24.26% | |
| 1Y Return | +14.99% | +31.38% | |
| 3Y Return (annualized) | +13.59% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 10.6% | 13.6% | |
| Max Drawdown | -17.6% | -33.4% | |
| Fund Family | First Trust Portfolios (US) | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Oct 26, 2021 | Oct 20, 2011 |
BUFG vs SCHD Performance
FT Vest Buffered Allocation Growth ETF (BUFG) is a ETF from First Trust Portfolios (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BUFG returned +14.99% while SCHD returned +31.38%. Year to date, BUFG is up 8.45% versus a gain of 24.26% for SCHD.
Over three years, BUFG compounded at +13.59% per year against +15.08% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +8.84%. 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 10.6% for BUFG. 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 -17.6% for BUFG 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BUFG charges 1.13% per year while SCHD charges 0.06%. On a $10,000 position that is $113 vs $6 annually, a gap of $107 per year that compounds over a long holding period. On income, BUFG currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
BUFG 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, BUFG or SCHD?
BUFG has an expense ratio of 1.13% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $107 per year of difference.
Which performed better, BUFG or SCHD?
Over the past year BUFG returned +14.99% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), BUFG annualized +8.84% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BUFG or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.6% for BUFG. Worst drawdown: BUFG -17.6% vs SCHD -33.4%.
Should I hold both BUFG and SCHD?
BUFG and SCHD have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BUFG and SCHD?
BUFG and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 107 unique securities.
Which pays a higher dividend, BUFG or SCHD?
BUFG yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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