BUFH vs SCHD
BUFH vs SCHD
FT Vest Laddered Max Buffer 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 | BUFH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.95% | 0.06% | |
| AUM | $57M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 13 | 104 | |
| YTD Return | +3.53% | +24.26% | |
| 1Y Return | +6.33% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 1.8% | 13.6% | |
| Max Drawdown | -1.5% | -33.4% | |
| Fund Family | First Trust Portfolios (US) | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jun 24, 2025 | Oct 20, 2011 |
BUFH vs SCHD Performance
FT Vest Laddered Max Buffer ETF (BUFH) 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 BUFH returned +6.33% while SCHD returned +31.38%. Year to date, BUFH is up 3.53% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.8% for BUFH. 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 -1.5% for BUFH 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 0.22. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BUFH charges 0.95% per year while SCHD charges 0.06%. On a $10,000 position that is $95 vs $6 annually, a gap of $89 per year that compounds over a long holding period. On income, BUFH currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
BUFH and SCHD share 0 holdings out of 112 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, BUFH or SCHD?
BUFH has an expense ratio of 0.95% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $89 per year of difference.
Which performed better, BUFH or SCHD?
Over the past year BUFH returned +6.33% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), BUFH annualized +6.71% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BUFH or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.8% for BUFH. Worst drawdown: BUFH -1.5% vs SCHD -33.4%.
Should I hold both BUFH and SCHD?
BUFH and SCHD have a monthly-return correlation of 0.22, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BUFH and SCHD?
BUFH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 112 unique securities.
Which pays a higher dividend, BUFH or SCHD?
BUFH yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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