IBDZ vs SCHD
iShares iBonds Dec 2034 Term Corporate ETF vs Schwab US Dividend Equity ETF
Which is better, IBDZ or SCHD?
Long Term Bond against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. IBDZ is less concentrated, with 8.1% of the fund in its ten largest positions against 41.8%.
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 | IBDZ | SCHD |
|---|---|---|
| Expense Ratio | 0.10% | 0.06%Best |
| AUM | $852M | $112.1B |
| Dividend Yield | 4.94% | 3.00% |
| Holdings | 374 | 103 |
| YTD Return | -2.58% | +21.73%Best |
| 1Y Return | -1.24% | +26.35%Best |
| 3Y Return (annualized) | - | +16.02% |
| 5Y Return (annualized) | - | +9.26% |
| Volatility (annualized) | 4.7%Best | 13.5% |
| Max Drawdown | -5.6%Best | -16.1% |
| $10,000 over 2.3 years | $11,026 | $13,794Best |
| Top 10 Weight | 8.1%Best | 41.8% |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Long Term Bond | Large Cap Value |
| Inception | May 22, 2024 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 2.3 years row, are measured over the window both funds cover: May 24, 2024 to Sep 25, 2026 (2.3 years).
IBDZ 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 2.3 years both funds cover.
IBDZ vs SCHD Performance
iShares iBonds Dec 2034 Term Corporate ETF (IBDZ) 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 IBDZ returned -1.24% while SCHD returned +26.35%. Year to date, IBDZ is down 2.58% versus a gain of 21.73% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.5% compared with 4.7% for IBDZ. 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 -5.6% for IBDZ 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 0.48. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBDZ charges 0.10% per year while SCHD charges 0.06%. On a $10,000 position that is $10 vs $6 annually, a gap of $4 per year that compounds over a long holding period. On income, IBDZ currently yields 4.94% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 360 holdings in IBDZ and 100 in SCHD, totalling 95.5% 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 360 positions we hold weights for in IBDZ and 100 in SCHD, against full books of 374 and 103.
What only one of them owns
Measured across the 360 and 100 positions we hold weights for.
SCHD holds 98 positions IBDZ does not, 99.9% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
You are not choosing between two funds in isolation.
Whichever of IBDZ 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, IBDZ or SCHD?
IBDZ has an expense ratio of 0.10% while SCHD charges 0.06%. SCHD is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, IBDZ or SCHD?
Over the past year IBDZ returned -1.24% vs +26.35% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), IBDZ annualized +4.34% vs +15.01% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBDZ or SCHD?
SCHD has been the more volatile fund at 13.5% annualized versus 4.7% for IBDZ. Worst drawdown: IBDZ -5.6% vs SCHD -16.1%.
Should I hold both IBDZ and SCHD?
IBDZ and SCHD have a monthly-return correlation of 0.48, 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, IBDZ or SCHD?
IBDZ yields 4.94% while SCHD yields 3.00%, so IBDZ currently pays the higher dividend yield.
Is SCHD better than IBDZ?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. IBDZ is less concentrated, with 8.1% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.