IAUM vs SCHD
iShares Gold Trust Micro vs Schwab US Dividend Equity ETF
Which is better, IAUM or SCHD?
Gold against Large Cap Value.
SCHD has a lower expense ratio. IAUM led over 3Y, 5Y and the full window, SCHD over 1Y.
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 | IAUM | SCHD |
|---|---|---|
| Expense Ratio | 0.09% | 0.06%Best |
| AUM | $7.8B | $112.1B |
| Dividend Yield | 0.00% | 3.00% |
| Holdings | 2 | 103 |
| YTD Return | +0.35% | +25.07%Best |
| 1Y Return | +19.50% | +27.61%Best |
| 3Y Return (annualized) | +31.40%Best | +15.74% |
| 5Y Return (annualized) | +19.32%Best | +9.89% |
| Volatility (annualized) | 16.6% | 14.6%Best |
| Max Drawdown | -26.3% | -16.9%Best |
| $10,000 over 5 years | $24,186Best | $16,025 |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Commodity | Equity |
| Style | Gold | Large Cap Value |
| Inception | Jun 15, 2021 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jun 29, 2021 to Sep 11, 2026 (5.2 years).
IAUM 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 5.2 years both funds cover.
IAUM vs SCHD Performance
iShares Gold Trust Micro (IAUM) 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 IAUM returned +19.50% while SCHD returned +27.61%. Year to date, IAUM is up 0.35% versus a gain of 25.07% for SCHD.
Over three years, IAUM compounded at +31.40% per year against +15.74% for SCHD; over five years the annualized figures are +19.32% and +9.89% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IAUM has been the more volatile fund, with annualized monthly volatility of 16.6% compared with 14.6% 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 -26.3% for IAUM and -16.9% 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 0.29. They move largely independently of each other.
Fees and Cost Over Time
IAUM charges 0.09% per year while SCHD charges 0.06%. On a $10,000 position that is $9 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, IAUM currently yields 0.00% against 3.00% for SCHD.
You are not choosing between two funds in isolation.
Whichever of IAUM 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, IAUM or SCHD?
IAUM has an expense ratio of 0.09% while SCHD charges 0.06%. SCHD is the cheaper option, by $3 a year on a $10,000 investment.
Which performed better, IAUM or SCHD?
Over the past year IAUM returned +19.50% vs +27.61% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IAUM or SCHD?
IAUM has been the more volatile fund at 16.6% annualized versus 14.6% for SCHD. Worst drawdown: IAUM -26.3% vs SCHD -16.9%.
Should I hold both IAUM and SCHD?
IAUM and SCHD have a monthly-return correlation of 0.29, 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, IAUM or SCHD?
IAUM yields 0.00% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than IAUM?
SCHD has a lower expense ratio. IAUM led over 3Y, 5Y and the full window, SCHD over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.