QBF vs SCHD
Innovator Uncapped Bitcoin 20 Floor ETF - Quarterly 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 | QBF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.06% | |
| AUM | $12M | $103.7B | |
| Dividend Yield | 2.01% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | -27.91% | +24.26% | |
| 1Y Return | -43.73% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 28.1% | 13.6% | |
| Max Drawdown | -49.4% | -33.4% | |
| Fund Family | Innovator ETFs Trust | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Feb 6, 2025 | Oct 20, 2011 |
QBF vs SCHD Performance
Innovator Uncapped Bitcoin 20 Floor ETF - Quarterly (QBF) is a ETF from Innovator ETFs Trust and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year QBF returned -43.73% while SCHD returned +31.38%. Year to date, QBF is down 27.91% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
QBF has been the more volatile fund, with annualized monthly volatility of 28.1% 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 -49.4% for QBF 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 -0.23. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QBF charges 0.79% per year while SCHD charges 0.06%. On a $10,000 position that is $79 vs $6 annually, a gap of $73 per year that compounds over a long holding period. On income, QBF currently yields 2.01% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, QBF or SCHD?
QBF has an expense ratio of 0.79% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $73 per year of difference.
Which performed better, QBF or SCHD?
Over the past year QBF returned -43.73% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), QBF annualized -27.39% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, QBF or SCHD?
QBF has been the more volatile fund at 28.1% annualized versus 13.6% for SCHD. Worst drawdown: QBF -49.4% vs SCHD -33.4%.
Should I hold both QBF and SCHD?
QBF and SCHD have a monthly-return correlation of -0.23, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, QBF or SCHD?
QBF yields 2.01% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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