OBTC vs SCHD
Osprey Bitcoin Trust vs Schwab US Dividend Equity ETF
Which is better, OBTC or SCHD?
Single Currency against Large Cap Value.
SCHD has a lower expense ratio. OBTC led over 3Y and 5Y, SCHD over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | OBTC | SCHD |
|---|---|---|
| Expense Ratio | 0.49% | 0.06%Best |
| AUM | $72M | $112.1B |
| Dividend Yield | 0.00% | 3.00% |
| Holdings | 3 | 103 |
| YTD Return | -14.82% | +24.23%Best |
| 1Y Return | -29.61% | +27.90%Best |
| 3Y Return (annualized) | +50.75%Best | +15.55% |
| 5Y Return (annualized) | +11.71%Best | +9.97% |
| Volatility (annualized) | 64.7% | 14.7%Best |
| Max Drawdown | -94.5% | -16.9%Best |
| $10,000 over 5 years | $17,396Best | $16,083 |
| Fund Family | Osprey Funds | Charles Schwab Asset Management |
| Category | Alternative | Equity |
| Style | Single Currency | Large Cap Value |
| Inception | Dec 19, 2025 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 12, 2021 to Sep 17, 2026 (5.6 years).
OBTC vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 5.6 years both funds cover.
OBTC vs SCHD Performance
Osprey Bitcoin Trust (OBTC) is an ETF from Osprey Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year OBTC returned -29.61% while SCHD returned +27.90%. Year to date, OBTC is down 14.82% versus a gain of 24.23% for SCHD.
Over three years, OBTC compounded at +50.75% per year against +15.55% for SCHD; over five years the annualized figures are +11.71% and +9.97% respectively. Across the full 6-year window we track, SCHD has the edge at +11.51% annualized vs -11.94%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
OBTC has been the more volatile fund, with annualized monthly volatility of 64.7% compared with 14.7% 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 -94.5% for OBTC and -16.9% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.14. They move largely independently of each other.
Fees and Cost Over Time
OBTC charges 0.49% per year while SCHD charges 0.06%. On a $10,000 position that is $49 vs $6 annually, a gap of $43 per year that compounds over a long holding period. On income, OBTC currently yields 0.00% against 3.00% for SCHD.
You are not choosing between two funds in isolation.
Whichever of OBTC and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, OBTC or SCHD?
OBTC has an expense ratio of 0.49% while SCHD charges 0.06%. SCHD is the cheaper option, by $43 a year on a $10,000 investment.
Which performed better, OBTC or SCHD?
Over the past year OBTC returned -29.61% vs +27.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), OBTC annualized -11.94% vs +11.51% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, OBTC or SCHD?
OBTC has been the more volatile fund at 64.7% annualized versus 14.7% for SCHD. Worst drawdown: OBTC -94.5% vs SCHD -16.9%.
Should I hold both OBTC and SCHD?
OBTC and SCHD have a monthly-return correlation of 0.14, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, OBTC or SCHD?
OBTC yields 0.00% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than OBTC?
SCHD has a lower expense ratio. OBTC led over 3Y and 5Y, SCHD over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.