BUFM vs SCHD
BUFM vs SCHD
AB Moderate 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 | BUFM | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.06% | |
| AUM | $450M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 7 | 104 | |
| YTD Return | +5.34% | +24.26% | |
| 1Y Return | +11.13% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 5.4% | 13.6% | |
| Max Drawdown | -9.4% | -33.4% | |
| Fund Family | AllianceBernstein L.P. | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Dec 9, 2024 | Oct 20, 2011 |
BUFM vs SCHD Performance
AB Moderate Buffer ETF (BUFM) is a ETF from AllianceBernstein L.P. and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BUFM returned +11.13% while SCHD returned +31.38%. Year to date, BUFM is up 5.34% 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 5.4% for BUFM. 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 -9.4% for BUFM 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BUFM charges 0.69% per year while SCHD charges 0.06%. On a $10,000 position that is $69 vs $6 annually, a gap of $63 per year that compounds over a long holding period. On income, BUFM currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
BUFM 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, BUFM or SCHD?
BUFM has an expense ratio of 0.69% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $63 per year of difference.
Which performed better, BUFM or SCHD?
Over the past year BUFM returned +11.13% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), BUFM annualized +10.46% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BUFM or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 5.4% for BUFM. Worst drawdown: BUFM -9.4% vs SCHD -33.4%.
Should I hold both BUFM and SCHD?
BUFM and SCHD have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BUFM and SCHD?
BUFM and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, BUFM or SCHD?
BUFM yields 0.00% while SCHD yields 3.31%, 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.