SCHD vs TBFC
Schwab US Dividend Equity ETF vs The Brinsmere Fund - Conservative 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 | SCHD | TBFC | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.44% | |
| AUM | $103.7B | $357M | |
| Dividend Yield | 3.31% | 2.99% | |
| Holdings | 104 | 28 | |
| YTD Return | +25.62% | +5.23% | |
| 1Y Return | +32.62% | +11.49% | |
| 3Y Return (annualized) | +15.58% | - | |
| 5Y Return (annualized) | +9.63% | - | |
| Volatility (annualized) | 13.6% | 6.6% | |
| Max Drawdown | -33.4% | -10.0% | |
| Fund Family | Charles Schwab Asset Management | Brinsmere Fund | |
| Category | Equity | Allocation/Balanced | |
| Inception | Oct 20, 2011 | Jan 12, 2024 |
SCHD vs TBFC Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and The Brinsmere Fund - Conservative ETF (TBFC) is a ETF from Brinsmere Fund. Over the past year SCHD returned +32.62% while TBFC returned +11.49%. Year to date, SCHD is up 25.62% versus a gain of 5.23% for TBFC.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 6.6% for TBFC. 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 -33.4% for SCHD and -10.0% for TBFC. 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TBFC charges 0.44%. On a $10,000 position that is $6 vs $44 annually, a gap of $38 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 2.99% for TBFC.
Holdings Overlap
SCHD and TBFC share 0 holdings out of 127 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or TBFC?
SCHD has an expense ratio of 0.06% while TBFC charges 0.44%. SCHD is the cheaper option. On a $10,000 investment, that is $38 per year of difference.
Which performed better, SCHD or TBFC?
Over the past year SCHD returned +32.62% vs +11.49% for TBFC, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.47% vs +9.30% for TBFC. Past performance does not guarantee future results.
Which is riskier, SCHD or TBFC?
SCHD has been the more volatile fund at 13.6% annualized versus 6.6% for TBFC. Worst drawdown: SCHD -33.4% vs TBFC -10.0%.
Should I hold both SCHD and TBFC?
SCHD and TBFC have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TBFC?
SCHD and TBFC share 0 common holdings with a 0.0% weight overlap. Combined, they hold 127 unique securities.
Which pays a higher dividend, SCHD or TBFC?
SCHD yields 3.31% while TBFC yields 2.99%, so SCHD currently pays the higher dividend yield.
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