IBIT vs SCHD
iShares Bitcoin Trust 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 | IBIT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $47.7B | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 2 | 104 | |
| YTD Return | -27.76% | +24.26% | |
| 1Y Return | -44.93% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 52.8% | 13.6% | |
| Max Drawdown | -53.3% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jan 5, 2024 | Oct 20, 2011 |
IBIT vs SCHD Performance
iShares Bitcoin Trust ETF (IBIT) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IBIT returned -44.93% while SCHD returned +31.38%. Year to date, IBIT is down 27.76% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
IBIT has been the more volatile fund, with annualized monthly volatility of 52.8% compared with 13.6% for SCHD. 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 -53.3% for IBIT 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 0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIT charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, IBIT currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, IBIT or SCHD?
IBIT has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, IBIT or SCHD?
Over the past year IBIT returned -44.93% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), IBIT annualized +13.41% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, IBIT or SCHD?
IBIT has been the more volatile fund at 52.8% annualized versus 13.6% for SCHD. Worst drawdown: IBIT -53.3% vs SCHD -33.4%.
Should I hold both IBIT and SCHD?
IBIT and SCHD have a monthly-return correlation of 0.08, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, IBIT or SCHD?
IBIT yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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