SCHD vs YBIT
SCHD vs YBIT
Schwab US Dividend Equity ETF vs YieldMax Bitcoin Option Income Strategy 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 | YBIT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.02% | |
| AUM | $103.7B | $45M | |
| Dividend Yield | 3.31% | 93.24% | |
| Holdings | 104 | 11 | |
| YTD Return | +24.26% | -27.06% | |
| 1Y Return | +31.38% | -41.60% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 34.5% | |
| Max Drawdown | -33.4% | -47.5% | |
| Fund Family | Charles Schwab Asset Management | YieldMax ETF | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Apr 22, 2024 |
SCHD vs YBIT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and YieldMax Bitcoin Option Income Strategy ETF (YBIT) is a ETF from YieldMax ETF. Over the past year SCHD returned +31.38% while YBIT returned -41.60%. Year to date, SCHD is up 24.26% versus a loss of 27.06% for YBIT.
Risk: Volatility and Drawdowns
YBIT has been the more volatile fund, with annualized monthly volatility of 34.5% 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 -47.5% for YBIT. 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 -0.11. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while YBIT charges 1.02%. On a $10,000 position that is $6 vs $102 annually, a gap of $96 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 93.24% for YBIT.
Holdings Overlap
SCHD and YBIT share 0 holdings out of 103 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 YBIT?
SCHD has an expense ratio of 0.06% while YBIT charges 1.02%. SCHD is the cheaper option. On a $10,000 investment, that is $96 per year of difference.
Which performed better, SCHD or YBIT?
Over the past year SCHD returned +31.38% vs -41.60% for YBIT, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.39% vs -12.80% for YBIT. Past performance does not guarantee future results.
Which is riskier, SCHD or YBIT?
YBIT has been the more volatile fund at 34.5% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs YBIT -47.5%.
Should I hold both SCHD and YBIT?
SCHD and YBIT have a monthly-return correlation of -0.11, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and YBIT?
SCHD and YBIT share 0 common holdings with a 0.0% weight overlap. Combined, they hold 103 unique securities.
Which pays a higher dividend, SCHD or YBIT?
SCHD yields 3.31% while YBIT yields 93.24%, so YBIT currently pays the higher dividend yield.
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