SCHD vs UFEB
SCHD vs UFEB
Schwab US Dividend Equity ETF vs Innovator US Equity Ultra Buffer ETF - February
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 | UFEB | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.79% | |
| AUM | $103.7B | $238M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 11 | |
| YTD Return | +24.26% | +6.80% | |
| 1Y Return | +31.38% | +13.01% | |
| 3Y Return (annualized) | +15.08% | +11.94% | |
| 5Y Return (annualized) | +9.72% | +7.35% | |
| Volatility (annualized) | 13.6% | 6.6% | |
| Max Drawdown | -33.4% | -13.3% | |
| Fund Family | Charles Schwab Asset Management | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Jan 31, 2020 |
SCHD vs UFEB Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Innovator US Equity Ultra Buffer ETF - February (UFEB) is a ETF from Innovator ETFs Trust. Over the past year SCHD returned +31.38% while UFEB returned +13.01%. Year to date, SCHD is up 24.26% versus a gain of 6.80% for UFEB.
Over three years, SCHD compounded at +15.08% per year against +11.94% for UFEB; over five years the annualized figures are +9.72% and +7.35% respectively. Across the full 7-year window we track, SCHD has the edge at +11.39% annualized vs +7.45%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 6.6% for UFEB. 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 -13.3% for UFEB. 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while UFEB charges 0.79%. On a $10,000 position that is $6 vs $79 annually, a gap of $73 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.00% for UFEB.
Frequently Asked Questions
Which is cheaper, SCHD or UFEB?
SCHD has an expense ratio of 0.06% while UFEB charges 0.79%. SCHD is the cheaper option. On a $10,000 investment, that is $73 per year of difference.
Which performed better, SCHD or UFEB?
Over the past year SCHD returned +31.38% vs +13.01% for UFEB, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), SCHD annualized +11.39% vs +7.45% for UFEB. Past performance does not guarantee future results.
Which is riskier, SCHD or UFEB?
SCHD has been the more volatile fund at 13.6% annualized versus 6.6% for UFEB. Worst drawdown: SCHD -33.4% vs UFEB -13.3%.
Should I hold both SCHD and UFEB?
SCHD and UFEB have a monthly-return correlation of 0.70, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or UFEB?
SCHD yields 3.31% while UFEB yields 0.00%, so SCHD currently pays the higher dividend yield.
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