LFBE vs SCHD
LFBE vs SCHD
LifeX 2065 Longevity Income 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 | LFBE | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $3M | $103.7B | |
| Dividend Yield | 8.54% | 3.31% | |
| Holdings | 17 | 104 | |
| YTD Return | -5.51% | +24.26% | |
| 1Y Return | -3.89% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 8.3% | 13.6% | |
| Max Drawdown | -9.3% | -33.4% | |
| Fund Family | Stone Ridge Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jan 6, 2025 | Oct 20, 2011 |
LFBE vs SCHD Performance
LifeX 2065 Longevity Income ETF (LFBE) is a ETF from Stone Ridge Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LFBE returned -3.89% while SCHD returned +31.38%. Year to date, LFBE is down 5.51% 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 8.3% for LFBE. 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 -9.3% for LFBE 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 0.06. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LFBE 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, LFBE currently yields 8.54% against 3.31% for SCHD.
Holdings Overlap
LFBE and SCHD share 0 holdings out of 111 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, LFBE or SCHD?
LFBE 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, LFBE or SCHD?
Over the past year LFBE returned -3.89% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), LFBE annualized -0.24% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, LFBE or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.3% for LFBE. Worst drawdown: LFBE -9.3% vs SCHD -33.4%.
Should I hold both LFBE and SCHD?
LFBE and SCHD have a monthly-return correlation of 0.06, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LFBE and SCHD?
LFBE and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 111 unique securities.
Which pays a higher dividend, LFBE or SCHD?
LFBE yields 8.54% while SCHD yields 3.31%, so LFBE currently pays the higher dividend yield.
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