NVBT vs SCHD
AllianzIM US Equity Buffer10 Nov 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 | NVBT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.06% | |
| AUM | $30M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | +10.19% | +25.33% | |
| 1Y Return | +15.89% | +32.31% | |
| 3Y Return (annualized) | +12.37% | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 8.8% | 13.6% | |
| Max Drawdown | -12.9% | -33.4% | |
| Fund Family | AllianzIM | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Oct 31, 2022 | Oct 20, 2011 |
NVBT vs SCHD Performance
AllianzIM US Equity Buffer10 Nov ETF (NVBT) is a ETF from AllianzIM and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year NVBT returned +15.89% while SCHD returned +32.31%. Year to date, NVBT is up 10.19% versus a gain of 25.33% for SCHD.
Over three years, NVBT compounded at +12.37% per year against +15.40% for SCHD. Across the full 4-year window we track, NVBT has the edge at +13.72% annualized vs +11.45%. 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 8.8% for NVBT. 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 -12.9% for NVBT 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 0.56. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
NVBT 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, NVBT currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, NVBT or SCHD?
NVBT 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, NVBT or SCHD?
Over the past year NVBT returned +15.89% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), NVBT annualized +13.72% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, NVBT or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.8% for NVBT. Worst drawdown: NVBT -12.9% vs SCHD -33.4%.
Should I hold both NVBT and SCHD?
NVBT and SCHD have a monthly-return correlation of 0.56, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, NVBT or SCHD?
NVBT yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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