SCHD vs YBTC
Schwab US Dividend Equity ETF vs Roundhill Bitcoin Covered Call 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 | YBTC | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.96% | |
| AUM | $103.7B | $128M | |
| Dividend Yield | 3.31% | 44.35% | |
| Holdings | 104 | 6 | |
| YTD Return | +25.62% | -33.12% | |
| 1Y Return | +32.62% | -48.88% | |
| 3Y Return (annualized) | +15.58% | - | |
| 5Y Return (annualized) | +9.63% | - | |
| Volatility (annualized) | 13.6% | 36.3% | |
| Max Drawdown | -33.4% | -52.5% | |
| Fund Family | Charles Schwab Asset Management | Roundhill Investments | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Jan 18, 2024 |
SCHD vs YBTC Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Roundhill Bitcoin Covered Call Strategy ETF (YBTC) is a ETF from Roundhill Investments. Over the past year SCHD returned +32.62% while YBTC returned -48.88%. Year to date, SCHD is up 25.62% versus a loss of 33.12% for YBTC.
Risk: Volatility and Drawdowns
YBTC has been the more volatile fund, with annualized monthly volatility of 36.3% 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 -52.5% for YBTC. 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 0.00. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while YBTC charges 0.96%. On a $10,000 position that is $6 vs $96 annually, a gap of $90 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 44.35% for YBTC.
Frequently Asked Questions
Which is cheaper, SCHD or YBTC?
SCHD has an expense ratio of 0.06% while YBTC charges 0.96%. SCHD is the cheaper option. On a $10,000 investment, that is $90 per year of difference.
Which performed better, SCHD or YBTC?
Over the past year SCHD returned +32.62% vs -48.88% for YBTC, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.47% vs +2.24% for YBTC. Past performance does not guarantee future results.
Which is riskier, SCHD or YBTC?
YBTC has been the more volatile fund at 36.3% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs YBTC -52.5%.
Should I hold both SCHD and YBTC?
SCHD and YBTC have a monthly-return correlation of 0.00, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or YBTC?
SCHD yields 3.31% while YBTC yields 44.35%, so YBTC currently pays the higher dividend yield.
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