IBGK vs SCHD
iShares iBonds Dec 2054 Term Treasury 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 | IBGK | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.06% | |
| AUM | $6M | $103.7B | |
| Dividend Yield | 4.66% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | -3.45% | +25.58% | |
| 1Y Return | -1.49% | +31.06% | |
| 3Y Return (annualized) | - | +15.55% | |
| 5Y Return (annualized) | - | +9.61% | |
| Volatility (annualized) | 10.4% | 13.6% | |
| Max Drawdown | -14.0% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jun 11, 2024 | Oct 20, 2011 |
IBGK vs SCHD Performance
iShares iBonds Dec 2054 Term Treasury ETF (IBGK) 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 IBGK returned -1.49% while SCHD returned +31.06%. Year to date, IBGK is down 3.45% versus a gain of 25.58% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 10.4% for IBGK. 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 -14.0% for IBGK 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 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBGK charges 0.07% per year while SCHD charges 0.06%. On a $10,000 position that is $7 vs $6 annually, a gap of $1 per year that compounds over a long holding period. On income, IBGK currently yields 4.66% against 3.31% for SCHD.
Holdings Overlap
IBGK and SCHD share 0 holdings out of 104 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, IBGK or SCHD?
IBGK has an expense ratio of 0.07% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, IBGK or SCHD?
Over the past year IBGK returned -1.49% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), IBGK annualized -0.81% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, IBGK or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.4% for IBGK. Worst drawdown: IBGK -14.0% vs SCHD -33.4%.
Should I hold both IBGK and SCHD?
IBGK and SCHD have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBGK and SCHD?
IBGK and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 104 unique securities.
Which pays a higher dividend, IBGK or SCHD?
IBGK yields 4.66% while SCHD yields 3.31%, so IBGK currently pays the higher dividend yield.
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