IBGL vs SCHD
iShares iBonds Dec 2055 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 | IBGL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.06% | |
| AUM | $6M | $103.7B | |
| Dividend Yield | 4.64% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | -2.73% | +24.26% | |
| 1Y Return | -1.55% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 8.6% | 13.6% | |
| Max Drawdown | -9.0% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Mar 25, 2025 | Oct 20, 2011 |
IBGL vs SCHD Performance
iShares iBonds Dec 2055 Term Treasury ETF (IBGL) 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 IBGL returned -1.55% while SCHD returned +31.38%. Year to date, IBGL is down 2.73% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 8.6% for IBGL. 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 -9.0% for IBGL 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 0.07. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBGL 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, IBGL currently yields 4.64% against 3.31% for SCHD.
Holdings Overlap
IBGL 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, IBGL or SCHD?
IBGL 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, IBGL or SCHD?
Over the past year IBGL returned -1.55% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), IBGL annualized -0.52% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, IBGL or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.6% for IBGL. Worst drawdown: IBGL -9.0% vs SCHD -33.4%.
Should I hold both IBGL and SCHD?
IBGL and SCHD have a monthly-return correlation of 0.07, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBGL and SCHD?
IBGL and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 104 unique securities.
Which pays a higher dividend, IBGL or SCHD?
IBGL yields 4.64% while SCHD yields 3.31%, so IBGL currently pays the higher dividend yield.
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