BUYZ vs SCHD
Franklin Disruptive Commerce 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 104 holdings.
Side-by-Side Comparison
| Metric | BUYZ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $6M | $108.7B | |
| Dividend Yield | 0.00% | 3.13% | |
| Holdings | 60 | 104 | |
| YTD Return | -7.83% | +28.70% | |
| 1Y Return | -12.16% | +32.27% | |
| 3Y Return (annualized) | +13.87% | +17.27% | |
| 5Y Return (annualized) | -6.51% | +10.23% | |
| Volatility (annualized) | 28.6% | 13.7% | |
| Max Drawdown | -68.0% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 25, 2020 | Oct 20, 2011 |
BUYZ vs SCHD Performance
Franklin Disruptive Commerce ETF (BUYZ) is a ETF from Franklin Templeton Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BUYZ returned -12.16% while SCHD returned +32.27%. Year to date, BUYZ is down 7.83% versus a gain of 28.70% for SCHD.
Over three years, BUYZ compounded at +13.87% per year against +17.27% for SCHD; over five years the annualized figures are -6.51% and +10.23% respectively. Across the full 7-year window we track, SCHD has the edge at +11.63% annualized vs +6.45%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BUYZ has been the more volatile fund, with annualized monthly volatility of 28.6% compared with 13.7% for SCHD. 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 -68.0% for BUYZ 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 0.49. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BUYZ 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, BUYZ currently yields 0.00% against 3.13% for SCHD.
Holdings Overlap
BUYZ and SCHD share 1 holdings out of 158 unique holdings combined, representing a 1.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in BUYZ | Weight in SCHD | Difference |
|---|---|---|---|
| FAST | 1.06% | 1.49% | 0.43% |
Frequently Asked Questions
Which is cheaper, BUYZ or SCHD?
BUYZ 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, BUYZ or SCHD?
Over the past year BUYZ returned -12.16% vs +32.27% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), BUYZ annualized +6.45% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, BUYZ or SCHD?
BUYZ has been the more volatile fund at 28.6% annualized versus 13.7% for SCHD. Worst drawdown: BUYZ -68.0% vs SCHD -33.4%.
Should I hold both BUYZ and SCHD?
BUYZ and SCHD have a monthly-return correlation of 0.49, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BUYZ and SCHD?
BUYZ and SCHD share 1 common holdings with a 1.1% weight overlap. Combined, they hold 158 unique securities.
Which pays a higher dividend, BUYZ or SCHD?
BUYZ yields 0.00% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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