DEFI vs SCHD
Hashdex Bitcoin 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 | DEFI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $14M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 3 | 104 | |
| YTD Return | -29.78% | +25.33% | |
| 1Y Return | -46.75% | +32.31% | |
| 3Y Return (annualized) | - | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 51.5% | 13.6% | |
| Max Drawdown | -53.2% | -33.4% | |
| Fund Family | Hashdex | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Sep 15, 2022 | Oct 20, 2011 |
DEFI vs SCHD Performance
Hashdex Bitcoin ETF (DEFI) is a ETF from Hashdex and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DEFI returned -46.75% while SCHD returned +32.31%. Year to date, DEFI is down 29.78% versus a gain of 25.33% for SCHD.
Risk: Volatility and Drawdowns
DEFI has been the more volatile fund, with annualized monthly volatility of 51.5% compared with 13.6% 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 -53.2% for DEFI 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 0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
DEFI charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, DEFI currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, DEFI or SCHD?
DEFI has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, DEFI or SCHD?
Over the past year DEFI returned -46.75% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), DEFI annualized +13.51% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, DEFI or SCHD?
DEFI has been the more volatile fund at 51.5% annualized versus 13.6% for SCHD. Worst drawdown: DEFI -53.2% vs SCHD -33.4%.
Should I hold both DEFI and SCHD?
DEFI and SCHD have a monthly-return correlation of 0.08, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, DEFI or SCHD?
DEFI yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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