DIM vs SCHD
WisdomTree International MidCap Dividend Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. DIM offers more diversification with 594 holdings.
Side-by-Side Comparison
| Metric | DIM | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.58% | 0.06% | |
| AUM | $170M | $108.7B | |
| Dividend Yield | 2.97% | 3.13% | |
| Holdings | 594 | 104 | |
| YTD Return | +12.04% | +25.69% | |
| 1Y Return | +18.70% | +30.41% | |
| 3Y Return (annualized) | +20.10% | +16.03% | |
| 5Y Return (annualized) | +9.26% | +9.64% | |
| Volatility (annualized) | 17.7% | 13.6% | |
| Max Drawdown | -64.7% | -33.4% | |
| Fund Family | WisdomTree Investments | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 16, 2006 | Oct 20, 2011 |
DIM vs SCHD Performance
WisdomTree International MidCap Dividend Fund (DIM) is a ETF from WisdomTree Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year DIM returned +18.70% while SCHD returned +30.41%. Year to date, DIM is up 12.04% versus a gain of 25.69% for SCHD.
Over three years, DIM compounded at +20.10% per year against +16.03% for SCHD; over five years the annualized figures are +9.26% and +9.64% respectively. Across the full 15-year window we track, SCHD has the edge at +11.46% annualized vs +3.92%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
DIM has been the more volatile fund, with annualized monthly volatility of 17.7% 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 -64.7% for DIM 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 0.76. 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
DIM and SCHD share 0 holdings out of 678 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $52 per year of difference.
Which performed better, DIM or SCHD?
Over the past year DIM returned +18.70% vs +30.41% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), DIM annualized +3.92% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, DIM or SCHD?
DIM has been the more volatile fund at 17.7% annualized versus 13.6% for SCHD. Worst drawdown: DIM -64.7% vs SCHD -33.4%.
Should I hold both DIM and SCHD?
DIM and SCHD have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between DIM and SCHD?
DIM and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 678 unique securities.
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.
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