BND vs SCHD: Yield, Cost and Returns Compared
As of Nov 10, 2026, BND yields more: 3.76% (dividend yield) against 2.96% for SCHD. BND is cheaper to own at 0.03% a year vs 0.06%. Over the same 15 years (Oct 2011 to Oct 2026), SCHD returned 13.6% a year with distributions reinvested, and BND 1.9%.
BNDVanguard Total Bond Market Index Fund ETF Shares3.76%dividend yield
SCHDSchwab U.S. Dividend Equity ETF2.96%dividend yield| Compared | BND | SCHD |
|---|---|---|
| YieldDividend yield | 3.76% | 2.96% |
| Expense ratio | 0.03% | 0.06% |
| Total return, 1 yr | −0.1% | +38.5% |
| Total return, 3 yr (a year) | +5.4% | +20.7% |
| Total return, 5 yr (a year) | −0.1% | +10.6% |
| Total return, 10 yr (a year) | +1.5% | +13.7% |
| Worst drop since Oct 2011 | -17.1% | -21.6% |
| Share price since Oct 2011 | −14% | +321% |
| Pays | Monthly | Quarterly |
| Issuer | Vanguard | Schwab |
| Assets | $400.6B | $121.1B |
| Started | 2001 | 2011 |
| Type | Intermediate Core Bond | Large Value |
Higher yield
BND
3.76%
Lower cost
BND
0.03%
Better total return
SCHD
13.6%/yr
Smaller worst drop
BND
-17.1%
Key facts: BND vs SCHD
Data as of · Source: SmarterDividends data
- As of Nov 10, 2026, BND yields 3.76% (dividend yield) and SCHD yields 2.96% (dividend yield).
- BND's expense ratio is 0.03% and SCHD's is 0.06%: $3 vs $6 a year on $10,000.
- From Oct 2011 to Oct 2026, $10,000 in BND grew to $13,337 (1.9% a year) and $10,000 in SCHD to $67,600 (13.6% a year), distributions reinvested.
- Their worst month-end drops over that time: -17.1% for BND and -21.6% for SCHD.
Cite this page
SmarterDividends, "BND vs SCHD: Yield, Cost and Returns Compared," updated Nov 10, 2026, https://smarterdividends.com/compare/bnd-vs-schd
$10,000 in each, Oct 2011 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
BND became
$13,337
1.9% a year
SCHD became
$67,600
13.6% a year
Year by year
| Year | BND | SCHD |
|---|---|---|
| 2025 | +7.1% | +4.3% |
| 2024 | +1.4% | +11.7% |
| 2023 | +5.6% | +4.5% |
| 2022 | −12.9% | −3.2% |
| 2021 | −1.9% | +29.8% |
| 2020 | +7.7% | +14.9% |
| 2019 | +8.8% | +27.2% |
| 2018 | +0.3% | −5.5% |
| 2017 | +3.6% | +20.9% |
| 2016 | +2.5% | +16.4% |
| 2015 | +0.6% | −0.3% |
| 2014 | +5.8% | +11.7% |
| 2013 | −2.1% | +32.8% |
| 2012 | +3.9% | +11.4% |
Total return each calendar year, distributions reinvested.
Top holdings
No overlap in the top ten.
BND
- Holdings not reported.
SCHD
- TXN Texas Instruments Inc4.6%
- COP ConocoPhillips4.3%
- CVX Chevron Corp4.3%
- PG Procter & Gamble Co4.2%
- KO Coca-Cola Co4.1%
- AMGN Amgen Inc4.1%
- HD The Home Depot Inc4.0%
- UNH UnitedHealth Group Inc3.9%
- MRK Merck & Co Inc3.8%
- PEP PepsiCo Inc3.8%
BND vs SCHD: questions
Is BND or SCHD better?
It depends on the job. BND pays more today (3.76% vs 2.96%), BND costs less, and SCHD has the better total return over Oct 2011 to Oct 2026, with BND holding up better in its worst stretch. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, BND or SCHD?
BND, at 3.76% against 2.96% for SCHD as of Nov 10, 2026. On $10,000 that's about $376 vs $296 a year at today's rates.
Which has the better total return?
SCHD. From Oct 2011 to Oct 2026, it returned 13.6% a year with distributions reinvested, against 1.9% for BND. $10,000 became $67,600 vs $13,337.
Which is cheaper, BND or SCHD?
BND, with a 0.03% expense ratio against 0.06%.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. SCHD leads on 5 of 8 measures above. For information only, not investment advice. Last fund data: Nov 10, 2026.