EAOA vs SCHD
iShares ESG Aware 80/20 Aggressive Allocation ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | EAOA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.06% | |
| AUM | $37M | $103.7B | |
| Dividend Yield | 1.95% | 3.31% | |
| Holdings | 7 | 104 | |
| YTD Return | +10.49% | +25.33% | |
| 1Y Return | +18.28% | +32.31% | |
| 3Y Return (annualized) | +16.37% | +15.40% | |
| 5Y Return (annualized) | +8.15% | +9.70% | |
| Volatility (annualized) | 12.9% | 13.6% | |
| Max Drawdown | -25.1% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jun 12, 2020 | Oct 20, 2011 |
EAOA vs SCHD Performance
iShares ESG Aware 80/20 Aggressive Allocation ETF (EAOA) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year EAOA returned +18.28% while SCHD returned +32.31%. Year to date, EAOA is up 10.49% versus a gain of 25.33% for SCHD.
Over three years, EAOA compounded at +16.37% per year against +15.40% for SCHD; over five years the annualized figures are +8.15% and +9.70% respectively. Across the full 6-year window we track, EAOA has the edge at +11.73% annualized vs +11.45%. 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 12.9% for EAOA. 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 -25.1% for EAOA 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
EAOA charges 0.18% per year while SCHD charges 0.06%. On a $10,000 position that is $18 vs $6 annually, a gap of $12 per year that compounds over a long holding period. On income, EAOA currently yields 1.95% against 3.31% for SCHD.
Holdings Overlap
EAOA and SCHD share 0 holdings out of 101 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, EAOA or SCHD?
EAOA has an expense ratio of 0.18% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, EAOA or SCHD?
Over the past year EAOA returned +18.28% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), EAOA annualized +11.73% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, EAOA or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 12.9% for EAOA. Worst drawdown: EAOA -25.1% vs SCHD -33.4%.
Should I hold both EAOA and SCHD?
EAOA 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 EAOA and SCHD?
EAOA and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, EAOA or SCHD?
EAOA yields 1.95% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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