DIM vs SCHD
WisdomTree International MidCap Dividend Fund vs Schwab US Dividend Equity ETF
Which is better, DIM or SCHD?
Mid Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. DIM led over 3Y, SCHD over 1Y, 5Y and the full window. DIM is less concentrated, with 8.6% of the fund in its ten largest positions against 41.5%.
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 | DIM | SCHD |
|---|---|---|
| Expense Ratio | 0.58% | 0.06%Best |
| AUM | $167M | $112.2B |
| Dividend Yield | 2.97% | 3.13% |
| Holdings | 608 | 103 |
| YTD Return | +12.97% | +26.13%Best |
| 1Y Return | +18.91% | +30.01%Best |
| 3Y Return (annualized) | +19.54%Best | +16.09% |
| 5Y Return (annualized) | +9.07% | +9.95%Best |
| Volatility (annualized) | 15.0% | 13.6%Best |
| Max Drawdown | -44.5% | -33.4%Best |
| $10,000 over 5 years | $15,436 | $16,069Best |
| Top 10 Weight | 8.6%Best | 41.5% |
| Fund Family | WisdomTree Investments | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Mid Cap Growth | Large Cap Value |
| Inception | Jun 16, 2006 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 8, 2026 (14.9 years).
DIM 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 14.9 years both funds cover.
DIM vs SCHD Performance
WisdomTree International MidCap Dividend Fund (DIM) is an ETF from WisdomTree Investments and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year DIM returned +18.91% while SCHD returned +30.01%. Year to date, DIM is up 12.97% versus a gain of 26.13% for SCHD.
Over three years, DIM compounded at +19.54% per year against +16.09% for SCHD; over five years the annualized figures are +9.07% and +9.95% respectively. Across the full 15-year window we track, SCHD has the edge at +11.43% annualized vs +6.24%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DIM has been the more volatile fund, with annualized monthly volatility of 15.0% 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 -44.5% for DIM 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
DIM charges 0.58% per year while SCHD charges 0.06%. On a $10,000 position that is $58 vs $6 annually, a gap of $52 per year that compounds over a long holding period. On income, DIM currently yields 2.97% against 3.13% for SCHD.
Holdings Overlap
0.3% of DIM's money is in holdings SCHD also owns. 0.3% of SCHD's money is in holdings DIM also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 589 positions we hold weights for in DIM and 100 in SCHD, against full books of 608 and 103.
What only one of them owns
Our book lists 97 positions for SCHD that do not appear in our book for DIM (99.4% of the fund), and 9 for DIM that do not appear in SCHD (2.9%).
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.
Top Shared Holdings
| Stock | Weight in DIM | Weight in SCHD | Difference |
|---|---|---|---|
| APAApa Corp | 0.28% | 0.33% | 0.05% |
You are not choosing between two funds in isolation.
Whichever of DIM 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, DIM or SCHD?
DIM has an expense ratio of 0.58% while SCHD charges 0.06%. SCHD is the cheaper option, by $52 a year on a $10,000 investment.
Which performed better, DIM or SCHD?
Over the past year DIM returned +18.91% vs +30.01% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), DIM annualized +6.24% vs +11.43% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, DIM or SCHD?
DIM has been the more volatile fund at 15.0% annualized versus 13.6% for SCHD. Worst drawdown: DIM -44.5% vs SCHD -33.4%.
Should I hold both DIM and SCHD?
DIM and SCHD have a monthly-return correlation of 0.76, 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, DIM or SCHD?
DIM yields 2.97% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than DIM?
SCHD has a lower expense ratio. DIM led over 3Y, SCHD over 1Y, 5Y and the full window. DIM is less concentrated, with 8.6% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.