FEBP vs SCHD
FEBP vs SCHD
PGIM S&P 500 Buffer 12 ETF - February 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 | FEBP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $25M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 7 | 104 | |
| YTD Return | +8.84% | +24.26% | |
| 1Y Return | +16.04% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 6.5% | 13.6% | |
| Max Drawdown | -12.1% | -33.4% | |
| Fund Family | PGIM Investments | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jan 31, 2024 | Oct 20, 2011 |
FEBP vs SCHD Performance
PGIM S&P 500 Buffer 12 ETF - February (FEBP) is a ETF from PGIM Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FEBP returned +16.04% while SCHD returned +31.38%. Year to date, FEBP is up 8.84% 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 6.5% for FEBP. 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 -12.1% for FEBP 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FEBP 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, FEBP currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, FEBP or SCHD?
FEBP 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, FEBP or SCHD?
Over the past year FEBP returned +16.04% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), FEBP annualized +13.58% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FEBP or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 6.5% for FEBP. Worst drawdown: FEBP -12.1% vs SCHD -33.4%.
Should I hold both FEBP and SCHD?
FEBP and SCHD have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, FEBP or SCHD?
FEBP yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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