QBSF vs SCHD
AllianzIM US Equity Buffer15 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 | QBSF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.64% | 0.06% | |
| AUM | $55M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | +3.98% | +25.62% | |
| 1Y Return | +7.86% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 2.3% | 13.6% | |
| Max Drawdown | -1.6% | -33.4% | |
| Fund Family | AllianzIM | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jun 30, 2025 | Oct 20, 2011 |
QBSF vs SCHD Performance
AllianzIM US Equity Buffer15 ETF (QBSF) is a ETF from AllianzIM and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year QBSF returned +7.86% while SCHD returned +32.62%. Year to date, QBSF is up 3.98% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 2.3% for QBSF. 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 -1.6% for QBSF 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
QBSF charges 0.64% per year while SCHD charges 0.06%. On a $10,000 position that is $64 vs $6 annually, a gap of $58 per year that compounds over a long holding period. On income, QBSF currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, QBSF or SCHD?
QBSF has an expense ratio of 0.64% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $58 per year of difference.
Which performed better, QBSF or SCHD?
Over the past year QBSF returned +7.86% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), QBSF annualized +8.02% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, QBSF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 2.3% for QBSF. Worst drawdown: QBSF -1.6% vs SCHD -33.4%.
Should I hold both QBSF and SCHD?
QBSF 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, QBSF or SCHD?
QBSF yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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