FCBD vs SCHD
FCBD vs SCHD
Frontier Asset Core Bond 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 | FCBD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.84% | 0.06% | |
| AUM | $40M | $103.7B | |
| Dividend Yield | 4.15% | 3.31% | |
| Holdings | 8 | 104 | |
| YTD Return | +0.57% | +24.26% | |
| 1Y Return | +2.56% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 2.0% | 13.6% | |
| Max Drawdown | -1.6% | -33.4% | |
| Fund Family | Frontier Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Dec 19, 2024 | Oct 20, 2011 |
FCBD vs SCHD Performance
Frontier Asset Core Bond ETF (FCBD) is a ETF from Frontier Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FCBD returned +2.56% while SCHD returned +31.38%. Year to date, FCBD is up 0.57% 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 2.0% for FCBD. 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 -1.6% for FCBD 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 0.18. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FCBD charges 0.84% per year while SCHD charges 0.06%. On a $10,000 position that is $84 vs $6 annually, a gap of $78 per year that compounds over a long holding period. On income, FCBD currently yields 4.15% against 3.31% for SCHD.
Holdings Overlap
FCBD and SCHD share 0 holdings out of 107 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, FCBD or SCHD?
FCBD has an expense ratio of 0.84% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $78 per year of difference.
Which performed better, FCBD or SCHD?
Over the past year FCBD returned +2.56% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), FCBD annualized +4.09% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FCBD or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 2.0% for FCBD. Worst drawdown: FCBD -1.6% vs SCHD -33.4%.
Should I hold both FCBD and SCHD?
FCBD and SCHD have a monthly-return correlation of 0.18, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FCBD and SCHD?
FCBD and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 107 unique securities.
Which pays a higher dividend, FCBD or SCHD?
FCBD yields 4.15% while SCHD yields 3.31%, so FCBD currently pays the higher dividend yield.
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