EAOK vs SCHD
EAOK vs SCHD
iShares ESG Aware 30/70 Conservative 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 | EAOK | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.06% | |
| AUM | $8M | $103.7B | |
| Dividend Yield | 3.16% | 3.31% | |
| Holdings | 7 | 104 | |
| YTD Return | +2.53% | +24.26% | |
| 1Y Return | +6.71% | +31.38% | |
| 3Y Return (annualized) | +7.94% | +15.08% | |
| 5Y Return (annualized) | +2.58% | +9.72% | |
| Volatility (annualized) | 7.9% | 13.6% | |
| Max Drawdown | -19.9% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jun 12, 2020 | Oct 20, 2011 |
EAOK vs SCHD Performance
iShares ESG Aware 30/70 Conservative Allocation ETF (EAOK) 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 EAOK returned +6.71% while SCHD returned +31.38%. Year to date, EAOK is up 2.53% versus a gain of 24.26% for SCHD.
Over three years, EAOK compounded at +7.94% per year against +15.08% for SCHD; over five years the annualized figures are +2.58% and +9.72% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +4.00%. 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 7.9% for EAOK. 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 -19.9% for EAOK 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EAOK 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, EAOK currently yields 3.16% against 3.31% for SCHD.
Holdings Overlap
EAOK and SCHD share 0 holdings out of 106 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, EAOK or SCHD?
EAOK 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, EAOK or SCHD?
Over the past year EAOK returned +6.71% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), EAOK annualized +4.00% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, EAOK or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.9% for EAOK. Worst drawdown: EAOK -19.9% vs SCHD -33.4%.
Should I hold both EAOK and SCHD?
EAOK and SCHD have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EAOK and SCHD?
EAOK and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 106 unique securities.
Which pays a higher dividend, EAOK or SCHD?
EAOK yields 3.16% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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