AGGM vs SCHD
iShares 1-10 Year U.S. Aggregate Bond ETF vs Schwab US Dividend Equity ETF
Which is better, AGGM or SCHD?
SCHD has been ahead.
SCHD led over 1Y, 3Y, 5Y 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 | AGGM | SCHD |
|---|---|---|
| Expense Ratio | - | 0.06% |
| AUM | - | $112.1B |
| Dividend Yield | - | 3.00% |
| Holdings | 1,739 | 103 |
| YTD Return | -1.58% | +25.84%Best |
| 1Y Return | -1.34% | +30.18%Best |
| 3Y Return (annualized) | +3.59% | +16.08%Best |
| 5Y Return (annualized) | -0.98% | +9.97%Best |
| Volatility (annualized) | 4.7%Best | 13.6% |
| Max Drawdown | -20.2%Best | -33.4% |
| $10,000 over 5 years | $9,520 | $16,083Best |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | - | Equity |
| Style | - | Large Cap Value |
| Inception | - | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 15, 2026 (14.9 years).
AGGM 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
AGGM vs SCHD Performance
iShares 1-10 Year U.S. Aggregate Bond ETF (AGGM) is an ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year AGGM returned -1.34% while SCHD returned +30.18%. Year to date, AGGM is down 1.58% versus a gain of 25.84% for SCHD.
Over three years, AGGM compounded at +3.59% per year against +16.08% for SCHD; over five years the annualized figures are -0.98% and +9.97% respectively. Across the full 15-year window we track, SCHD has the edge at +11.40% annualized vs +0.37%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 4.7% for AGGM. 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 -20.2% for AGGM and -33.4% 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 0.27. They move largely independently of each other.
Holdings Overlap
We hold position weights for 1,739 holdings in AGGM and 100 in SCHD, totalling 68.0% and 100.0% 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 1,739 positions we hold weights for in AGGM and 100 in SCHD, against full books of 1,739 and 103.
You are not choosing between two funds in isolation.
Whichever of AGGM 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 performed better, AGGM or SCHD?
Over the past year AGGM returned -1.34% vs +30.18% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), AGGM annualized +0.37% vs +11.40% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, AGGM or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.7% for AGGM. Worst drawdown: AGGM -20.2% vs SCHD -33.4%.
Should I hold both AGGM and SCHD?
AGGM and SCHD have a monthly-return correlation of 0.27, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Is SCHD better than AGGM?
SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.