EBND vs SCHD
State Street SPDR Bloomberg Emerging Markets Local Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. EBND offers more diversification with 653 holdings.
Side-by-Side Comparison
| Metric | EBND | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.06% | |
| AUM | $2.3B | $108.7B | |
| Dividend Yield | 5.84% | 3.13% | |
| Holdings | 653 | 104 | |
| YTD Return | +2.02% | +26.54% | |
| 1Y Return | +5.35% | +30.90% | |
| 3Y Return (annualized) | +6.50% | +16.29% | |
| 5Y Return (annualized) | +1.02% | +9.65% | |
| Volatility (annualized) | 10.1% | 13.6% | |
| Max Drawdown | -41.0% | -33.4% | |
| Fund Family | SPDR State Street Global Advisors | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 23, 2011 | Oct 20, 2011 |
EBND vs SCHD Performance
State Street SPDR Bloomberg Emerging Markets Local Bond ETF (EBND) is a ETF from SPDR State Street Global Advisors and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year EBND returned +5.35% while SCHD returned +30.90%. Year to date, EBND is up 2.02% versus a gain of 26.54% for SCHD.
Over three years, EBND compounded at +6.50% per year against +16.29% for SCHD; over five years the annualized figures are +1.02% and +9.65% respectively. Across the full 15-year window we track, SCHD has the edge at +11.51% annualized vs -0.55%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 10.1% for EBND. 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 -41.0% for EBND 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EBND charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, EBND currently yields 5.84% against 3.13% for SCHD.
Holdings Overlap
EBND and SCHD share 0 holdings out of 102 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, EBND or SCHD?
EBND has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, EBND or SCHD?
Over the past year EBND returned +5.35% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), EBND annualized -0.55% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, EBND or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.1% for EBND. Worst drawdown: EBND -41.0% vs SCHD -33.4%.
Should I hold both EBND and SCHD?
EBND and SCHD have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EBND and SCHD?
EBND and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, EBND or SCHD?
EBND yields 5.84% while SCHD yields 3.13%, so EBND currently pays the higher dividend yield.
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