FBUF vs SCHD
FBUF vs SCHD
Fidelity Dynamic Buffered Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FBUF offers more diversification with 167 holdings.
Side-by-Side Comparison
| Metric | FBUF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.48% | 0.06% | |
| AUM | $21M | $103.7B | |
| Dividend Yield | 0.59% | 3.31% | |
| Holdings | 175 | 104 | |
| YTD Return | +8.25% | +24.26% | |
| 1Y Return | +17.39% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 6.9% | 13.6% | |
| Max Drawdown | -11.1% | -33.4% | |
| Fund Family | Fidelity Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 9, 2024 | Oct 20, 2011 |
FBUF vs SCHD Performance
Fidelity Dynamic Buffered Equity ETF (FBUF) is a ETF from Fidelity Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FBUF returned +17.39% while SCHD returned +31.38%. Year to date, FBUF is up 8.25% 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 6.9% for FBUF. 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 -11.1% for FBUF 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 0.41. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FBUF charges 0.48% per year while SCHD charges 0.06%. On a $10,000 position that is $48 vs $6 annually, a gap of $42 per year that compounds over a long holding period. On income, FBUF currently yields 0.59% against 3.31% for SCHD.
Holdings Overlap
FBUF and SCHD share 12 holdings out of 255 unique holdings combined, representing a 5.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in FBUF | Weight in SCHD | Difference |
|---|---|---|---|
| UNH | 0.85% | 4.54% | 3.69% |
| ABT | 0.51% | 4.49% | 3.98% |
| MRK | 0.64% | 4.32% | 3.68% |
| CVX | Pro | Pro | Pro |
| PEP | Pro | Pro | Pro |
| COP | Pro | Pro | Pro |
| BMY | Pro | Pro | Pro |
| LMT | Pro | Pro | Pro |
| CMCSA | Pro | Pro | Pro |
| EOG | Pro | Pro | Pro |
See all 10 holdings FBUF shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, FBUF or SCHD?
FBUF has an expense ratio of 0.48% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $42 per year of difference.
Which performed better, FBUF or SCHD?
Over the past year FBUF returned +17.39% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), FBUF annualized +13.89% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FBUF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 6.9% for FBUF. Worst drawdown: FBUF -11.1% vs SCHD -33.4%.
Should I hold both FBUF and SCHD?
FBUF and SCHD have a monthly-return correlation of 0.41, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FBUF and SCHD?
FBUF and SCHD share 12 common holdings with a 5.7% weight overlap. Combined, they hold 255 unique securities.
Which pays a higher dividend, FBUF or SCHD?
FBUF yields 0.59% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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