CIL vs SCHD
VictoryShares International Volatility Wtd ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. CIL delivered stronger 1-year returns. CIL offers more diversification with 513 holdings.
Side-by-Side Comparison
| Metric | CIL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.06% | |
| AUM | $31M | $108.7B | |
| Dividend Yield | 2.51% | 3.13% | |
| Holdings | 513 | 104 | |
| YTD Return | +4.54% | +26.54% | |
| 1Y Return | +34.71% | +30.90% | |
| 3Y Return (annualized) | +16.45% | +16.29% | |
| 5Y Return (annualized) | +9.56% | +9.65% | |
| Volatility (annualized) | 29.0% | 13.6% | |
| Max Drawdown | -46.1% | -33.4% | |
| Fund Family | Victory Capital Management Inc. | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Aug 20, 2015 | Oct 20, 2011 |
CIL vs SCHD Performance
VictoryShares International Volatility Wtd ETF (CIL) is a ETF from Victory Capital Management Inc. and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CIL returned +34.71% while SCHD returned +30.90%. Year to date, CIL is up 4.54% versus a gain of 26.54% for SCHD.
Over three years, CIL compounded at +16.45% per year against +16.29% for SCHD; over five years the annualized figures are +9.56% and +9.65% respectively. Across the full 11-year window we track, SCHD has the edge at +11.51% annualized vs +7.68%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CIL has been the more volatile fund, with annualized monthly volatility of 29.0% 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 -46.1% for CIL and -33.4% for SCHD. 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 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CIL charges 0.45% per year while SCHD charges 0.06%. On a $10,000 position that is $45 vs $6 annually, a gap of $39 per year that compounds over a long holding period. On income, CIL currently yields 2.51% against 3.13% for SCHD.
Holdings Overlap
CIL and SCHD share 1 holdings out of 603 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in CIL | Weight in SCHD | Difference |
|---|---|---|---|
| ADP | 0.22% | 2.72% | 2.50% |
Frequently Asked Questions
Which is cheaper, CIL or SCHD?
CIL has an expense ratio of 0.45% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $39 per year of difference.
Which performed better, CIL or SCHD?
Over the past year CIL returned +34.71% vs +30.90% for SCHD, so CIL leads on 1-year performance. Over the longest common window we track (11 years), CIL annualized +7.68% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, CIL or SCHD?
CIL has been the more volatile fund at 29.0% annualized versus 13.6% for SCHD. Worst drawdown: CIL -46.1% vs SCHD -33.4%.
Should I hold both CIL and SCHD?
CIL and SCHD have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CIL and SCHD?
CIL and SCHD share 1 common holdings with a 0.2% weight overlap. Combined, they hold 603 unique securities.
Which pays a higher dividend, CIL or SCHD?
CIL yields 2.51% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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