Compare/Updated Oct 26, 2026, refreshed every trading day
BND vs SCHD
Vanguard Total Bond Market ETF against Schwab U.S. Dividend Equity ETF: 4 years of returns, risk and today’s technical read, from Kavout’s own data.
SCHD did much better than BND over the 1,000-trading-day period: $1,000 grew to $1,649 (+64.9%) versus $1,161 (+16.1%) for BND. SCHD also led across the 1-month, 3-month, 6-month, YTD, 1-year and 3-year periods, reflecting stronger recent equity-market performance and dividend-stock exposure. The trade-off was substantially higher risk: SCHD’s 12-month volatility was 11.3% versus 4.0% for BND, and its worst drawdown was -16.1% versus -7.2%. Their daily-move correlation was only 0.210, indicating meaningful diversification potential, although the typical monthly performance gap was 2.48 points. BND’s lower 0.03% expense ratio and $389B in assets emphasize its role as a lower-volatility bond holding; SCHD’s 0.06% expense ratio and $101B asset base accompanied materially higher returns.
- Price is below its 200-day average ($72); 50-day at $71.
- RSI 61, neutral. Supertrend says buy. ADX 25, so the trend is developing.
- Price is above its 200-day average ($32); 50-day at $34.
- RSI 73, overbought. Supertrend says buy. ADX 33, so the trend is strong.
Head to head
Which has returned more, BND or SCHD?
BND beat SCHD in 20 of the last 48 months; SCHD won the other 28. The typical monthly gap was 2.48 points.
Total return by period
Which is riskier?
BND: Apr 5, 2023 to Oct 19, 2023; SCHD: Nov 29, 2024 to Apr 8, 2025
- 0.210
- correlation of daily moves, 4 years
- 0.09
- BND move per 1% in SCHD
- 0.315
- correlation, last 12 months
Month by month
Of the last 48 months. The typical gap was 2.48 points.
When did they diverge?
| Month | BND | SCHD | Gap |
|---|---|---|---|
| January 2026 | +0.2% | +8.7% | -8.48 pts |
| April 2025 | +0.4% | -7.7% | +8.06 pts |
| July 2026 | -1.3% | +5.5% | -6.81 pts |
| October 2026 | +1.9% | +8.4% | -6.56 pts |
Where the numbers come from. 1000 daily adjusted closes per fund from the Kavout market-data API, dividends included. Signals and indicators are Kavout’s own, refreshed nightly. Every figure is calculated from those adjusted closes.
Holdings and fees
What do you actually own with BND and SCHD?
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