QBUF vs SCHD
QBUF vs SCHD
Innovator Nasdaq-100 10 Buffer 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 | QBUF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.06% | |
| AUM | $161M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 6 | 104 | |
| YTD Return | +5.32% | +24.26% | |
| 1Y Return | +10.07% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 4.5% | 13.6% | |
| Max Drawdown | -8.8% | -33.4% | |
| Fund Family | Innovator ETFs Trust | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jul 1, 2024 | Oct 20, 2011 |
QBUF vs SCHD Performance
Innovator Nasdaq-100 10 Buffer ETF - Quarterly (QBUF) 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 QBUF returned +10.07% while SCHD returned +31.38%. Year to date, QBUF is up 5.32% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 4.5% for QBUF. 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 -8.8% for QBUF 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 -0.03. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QBUF 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, QBUF currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, QBUF or SCHD?
QBUF 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, QBUF or SCHD?
Over the past year QBUF returned +10.07% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), QBUF annualized +10.73% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, QBUF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.5% for QBUF. Worst drawdown: QBUF -8.8% vs SCHD -33.4%.
Should I hold both QBUF and SCHD?
QBUF and SCHD have a monthly-return correlation of -0.03, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, QBUF or SCHD?
QBUF yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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