IAUI vs SCHD
NEOS Gold High Income 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 | IAUI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.78% | 0.06% | |
| AUM | $489M | $103.7B | |
| Dividend Yield | 13.77% | 3.31% | |
| Holdings | 7 | 104 | |
| YTD Return | -8.00% | +25.33% | |
| 1Y Return | +9.09% | +32.31% | |
| 3Y Return (annualized) | - | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 20.8% | 13.6% | |
| Max Drawdown | -25.6% | -33.4% | |
| Fund Family | NEOS | Charles Schwab Asset Management | |
| Category | Commodity | Equity | |
| Inception | Jun 5, 2025 | Oct 20, 2011 |
IAUI vs SCHD Performance
NEOS Gold High Income ETF (IAUI) is a ETF from NEOS and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IAUI returned +9.09% while SCHD returned +32.31%. Year to date, IAUI is down 8.00% versus a gain of 25.33% for SCHD.
Risk: Volatility and Drawdowns
IAUI has been the more volatile fund, with annualized monthly volatility of 20.8% 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 -25.6% for IAUI 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IAUI charges 0.78% per year while SCHD charges 0.06%. On a $10,000 position that is $78 vs $6 annually, a gap of $72 per year that compounds over a long holding period. On income, IAUI currently yields 13.77% against 3.31% for SCHD.
Holdings Overlap
IAUI 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, IAUI or SCHD?
IAUI has an expense ratio of 0.78% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $72 per year of difference.
Which performed better, IAUI or SCHD?
Over the past year IAUI returned +9.09% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), IAUI annualized +8.50% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, IAUI or SCHD?
IAUI has been the more volatile fund at 20.8% annualized versus 13.6% for SCHD. Worst drawdown: IAUI -25.6% vs SCHD -33.4%.
Should I hold both IAUI and SCHD?
IAUI and SCHD have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IAUI and SCHD?
IAUI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, IAUI or SCHD?
IAUI yields 13.77% while SCHD yields 3.31%, so IAUI currently pays the higher dividend yield.
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