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 104 holdings.
Side-by-Side Comparison
| Metric | QBF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.06% | |
| AUM | $12M | $108.7B | |
| Dividend Yield | 1.94% | 3.13% | |
| Holdings | 5 | 104 | |
| YTD Return | -18.34% | +27.93% | |
| 1Y Return | -33.66% | +30.06% | |
| 3Y Return (annualized) | - | +16.25% | |
| 5Y Return (annualized) | - | +10.03% | |
| Volatility (annualized) | 31.4% | 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 -33.66% while SCHD returned +30.06%. Year to date, QBF is down 18.34% versus a gain of 27.93% for SCHD.
Risk: Volatility and Drawdowns
QBF has been the more volatile fund, with annualized monthly volatility of 31.4% 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 -0.12. 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 1.94% against 3.13% 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 -33.66% vs +30.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), QBF annualized -20.40% vs +11.56% for SCHD. Past performance does not guarantee future results.
Which is riskier, QBF or SCHD?
QBF has been the more volatile fund at 31.4% 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 -0.12, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, QBF or SCHD?
QBF yields 1.94% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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