BLUI vs SCHD
Bluemonte Diversified Income ETF vs Schwab US Dividend Equity ETF
Which is better, BLUI or SCHD?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | BLUI | SCHD |
|---|---|---|
| Expense Ratio | 0.67% | 0.06%Best |
| AUM | $115M | $111.6B |
| Dividend Yield | 5.35% | 3.24% |
| Holdings | 8 | 206 |
| YTD Return | +1.52% | +24.55%Best |
| 1Y Return | +3.01% | +29.85%Best |
| 3Y Return (annualized) | - | +16.64% |
| 5Y Return (annualized) | - | +9.54% |
| Volatility (annualized) | 4.2%Best | 13.8% |
| Max Drawdown | -3.7%Best | -6.9% |
| $10,000 over 1.3 years | $10,543 | $13,297Best |
| Top 10 Weight | - | 41.6% |
| Fund Family | Bluemonte Investment Management | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Value |
| Inception | Jun 20, 2025 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 1.3 years row, are measured over the window both funds cover: Jun 23, 2025 to Oct 14, 2026 (1.3 years).
BLUI vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.3 years both funds cover.
BLUI vs SCHD Performance
Bluemonte Diversified Income ETF (BLUI) is an ETF from Bluemonte Investment Management and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year BLUI returned +3.01% while SCHD returned +29.85%. Year to date, BLUI is up 1.52% versus a gain of 24.55% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.8% compared with 4.2% for BLUI. 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 -3.7% for BLUI and -6.9% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BLUI charges 0.67% per year while SCHD charges 0.06%. On a $10,000 position that is $67 vs $6 annually, a gap of $61 per year that compounds over a long holding period. On income, BLUI currently yields 5.35% against 3.24% for SCHD.
Holdings Overlap
We hold position weights for 7 holdings in BLUI and 98 in SCHD, totalling 99.3% and 99.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 7 positions we hold weights for in BLUI and 98 in SCHD, against full books of 8 and 206.
What only one of them owns
Our book lists 97 positions for SCHD that do not appear in our book for BLUI (99.8% of the fund), and 7 for BLUI that do not appear in SCHD (99.3%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of BLUI and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, BLUI or SCHD?
BLUI has an expense ratio of 0.67% while SCHD charges 0.06%. SCHD is the cheaper option, by $61 a year on a $10,000 investment.
Which performed better, BLUI or SCHD?
Over the past year BLUI returned +3.01% vs +29.85% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), BLUI annualized +4.15% vs +24.51% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BLUI or SCHD?
SCHD has been the more volatile fund at 13.8% annualized versus 4.2% for BLUI. Worst drawdown: BLUI -3.7% vs SCHD -6.9%.
Should I hold both BLUI and SCHD?
BLUI and SCHD have a monthly-return correlation of 0.79, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, BLUI or SCHD?
BLUI yields 5.35% while SCHD yields 3.24%, so BLUI currently pays the higher dividend yield.
Is SCHD better than BLUI?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.