EFRA vs SCHD
iShares Environmental Infrastructure and Industrials ETF vs Schwab US Dividend Equity ETF
Which is better, EFRA or SCHD?
All Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 50.8%.
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 | EFRA | SCHD |
|---|---|---|
| Expense Ratio | 0.47% | 0.06%Best |
| AUM | $6M | $112.2B |
| Dividend Yield | 4.07% | 3.13% |
| Holdings | 102 | 103 |
| YTD Return | +6.58% | +27.56%Best |
| 1Y Return | +7.69% | +30.29%Best |
| 3Y Return (annualized) | +12.00% | +16.37%Best |
| 5Y Return (annualized) | - | +10.23% |
| Volatility (annualized) | 15.1% | 13.1%Best |
| Max Drawdown | -17.9% | -16.1%Best |
| $10,000 over 3.8 years | $15,932 | $16,519Best |
| Top 10 Weight | 50.8% | 41.5%Best |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | All Cap Blend | Large Cap Value |
| Inception | Nov 1, 2022 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3.8 years row, are measured over the window both funds cover: Nov 3, 2022 to Sep 4, 2026 (3.8 years).
EFRA 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 3.8 years both funds cover.
EFRA vs SCHD Performance
iShares Environmental Infrastructure and Industrials ETF (EFRA) is an ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year EFRA returned +7.69% while SCHD returned +30.29%. Year to date, EFRA is up 6.58% versus a gain of 27.56% for SCHD.
Over three years, EFRA compounded at +12.00% per year against +16.37% for SCHD. Across the full 4-year window we track, SCHD has the edge at +14.12% annualized vs +13.04%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EFRA has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 13.1% 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 -17.9% for EFRA and -16.1% 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
EFRA charges 0.47% per year while SCHD charges 0.06%. On a $10,000 position that is $47 vs $6 annually, a gap of $41 per year that compounds over a long holding period. On income, EFRA currently yields 4.07% against 3.13% for SCHD.
Holdings Overlap
We hold position weights for 80 holdings in EFRA and 100 in SCHD, totalling 99.9% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 80 positions we hold weights for in EFRA and 100 in SCHD, against full books of 102 and 103.
What only one of them owns
Our book lists 98 positions for SCHD that do not appear in our book for EFRA (99.7% of the fund), and 20 for EFRA that do not appear in SCHD (54.7%).
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.
You are not choosing between two funds in isolation.
Whichever of EFRA 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, EFRA or SCHD?
EFRA has an expense ratio of 0.47% while SCHD charges 0.06%. SCHD is the cheaper option, by $41 a year on a $10,000 investment.
Which performed better, EFRA or SCHD?
Over the past year EFRA returned +7.69% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), EFRA annualized +13.04% vs +14.12% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, EFRA or SCHD?
EFRA has been the more volatile fund at 15.1% annualized versus 13.1% for SCHD. Worst drawdown: EFRA -17.9% vs SCHD -16.1%.
Should I hold both EFRA and SCHD?
EFRA and SCHD have a monthly-return correlation of 0.70, 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, EFRA or SCHD?
EFRA yields 4.07% while SCHD yields 3.13%, so EFRA currently pays the higher dividend yield.
Is SCHD better than EFRA?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 50.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.