FEBT vs SCHD
FEBT vs SCHD
AllianzIM US Equity Buffer10 Feb 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 | FEBT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.06% | |
| AUM | $158M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | +10.04% | +24.26% | |
| 1Y Return | +17.83% | +31.38% | |
| 3Y Return (annualized) | +15.73% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 8.3% | 13.6% | |
| Max Drawdown | -13.2% | -33.4% | |
| Fund Family | AllianzIM | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jan 31, 2023 | Oct 20, 2011 |
FEBT vs SCHD Performance
AllianzIM US Equity Buffer10 Feb ETF (FEBT) is a ETF from AllianzIM and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FEBT returned +17.83% while SCHD returned +31.38%. Year to date, FEBT is up 10.04% versus a gain of 24.26% for SCHD.
Over three years, FEBT compounded at +15.73% per year against +15.08% for SCHD. Across the full 4-year window we track, FEBT has the edge at +15.78% annualized vs +11.39%. 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 8.3% for FEBT. 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 -13.2% for FEBT 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FEBT charges 0.74% per year while SCHD charges 0.06%. On a $10,000 position that is $74 vs $6 annually, a gap of $68 per year that compounds over a long holding period. On income, FEBT currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, FEBT or SCHD?
FEBT has an expense ratio of 0.74% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $68 per year of difference.
Which performed better, FEBT or SCHD?
Over the past year FEBT returned +17.83% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), FEBT annualized +15.78% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, FEBT or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.3% for FEBT. Worst drawdown: FEBT -13.2% vs SCHD -33.4%.
Should I hold both FEBT and SCHD?
FEBT and SCHD have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, FEBT or SCHD?
FEBT yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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