SCHD vs XBTY
Schwab US Dividend Equity ETF vs GraniteShares YieldBOOST Bitcoin ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 103 holdings.
Side-by-Side Comparison
| Metric | SCHD | XBTY | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.15% | |
| AUM | $112.2B | $10M | |
| Dividend Yield | 3.13% | 201.02% | |
| Holdings | 103 | 6 | |
| YTD Return | +27.60% | -21.00% | |
| 1Y Return | +29.63% | -42.13% | |
| 3Y Return (annualized) | +16.43% | - | |
| 5Y Return (annualized) | +10.05% | - | |
| Volatility (annualized) | 13.6% | 30.2% | |
| Max Drawdown | -33.4% | -49.0% | |
| Fund Family | Charles Schwab Asset Management | GraniteShares | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | May 12, 2025 |
SCHD vs XBTY Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and GraniteShares YieldBOOST Bitcoin ETF (XBTY) is a ETF from GraniteShares. Over the past year SCHD returned +29.63% while XBTY returned -42.13%. Year to date, SCHD is up 27.60% versus a loss of 21.00% for XBTY.
Risk: Volatility and Drawdowns
XBTY has been the more volatile fund, with annualized monthly volatility of 30.2% 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 -33.4% for SCHD and -49.0% for XBTY. 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 -0.05. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XBTY charges 1.15%. On a $10,000 position that is $6 vs $115 annually, a gap of $109 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 201.02% for XBTY.
Frequently Asked Questions
Which is cheaper, SCHD or XBTY?
SCHD has an expense ratio of 0.06% while XBTY charges 1.15%. SCHD is the cheaper option. On a $10,000 investment, that is $109 per year of difference.
Which performed better, SCHD or XBTY?
Over the past year SCHD returned +29.63% vs -42.13% for XBTY, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.54% vs -23.45% for XBTY. Past performance does not guarantee future results.
Which is riskier, SCHD or XBTY?
XBTY has been the more volatile fund at 30.2% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XBTY -49.0%.
Should I hold both SCHD and XBTY?
SCHD and XBTY have a monthly-return correlation of -0.05, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or XBTY?
SCHD yields 3.13% while XBTY yields 201.02%, so XBTY currently pays the higher dividend yield.
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