BUFP vs SCHD
BUFP vs SCHD
PGIM Laddered S&P 500 Buffer 12 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 | BUFP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $223M | $103.7B | |
| Dividend Yield | 0.01% | 3.31% | |
| Holdings | 15 | 104 | |
| YTD Return | +8.63% | +24.26% | |
| 1Y Return | +14.52% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 6.2% | 13.6% | |
| Max Drawdown | -12.0% | -33.4% | |
| Fund Family | PGIM Investments | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jun 11, 2024 | Oct 20, 2011 |
BUFP vs SCHD Performance
PGIM Laddered S&P 500 Buffer 12 ETF (BUFP) is a ETF from PGIM Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BUFP returned +14.52% while SCHD returned +31.38%. Year to date, BUFP is up 8.63% 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 6.2% for BUFP. 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 -12.0% for BUFP 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BUFP charges 0.50% per year while SCHD charges 0.06%. On a $10,000 position that is $50 vs $6 annually, a gap of $44 per year that compounds over a long holding period. On income, BUFP currently yields 0.01% against 3.31% for SCHD.
Holdings Overlap
BUFP 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, BUFP or SCHD?
BUFP has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, BUFP or SCHD?
Over the past year BUFP returned +14.52% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), BUFP annualized +13.14% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BUFP or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 6.2% for BUFP. Worst drawdown: BUFP -12.0% vs SCHD -33.4%.
Should I hold both BUFP and SCHD?
BUFP and SCHD have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BUFP and SCHD?
BUFP and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 112 unique securities.
Which pays a higher dividend, BUFP or SCHD?
BUFP yields 0.01% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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