IBID vs SCHD
iShares iBonds Oct 2027 Term TIPS 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 | IBID | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.06% | |
| AUM | $118M | $103.7B | |
| Dividend Yield | 3.68% | 3.31% | |
| Holdings | 7 | 104 | |
| YTD Return | +2.43% | +25.62% | |
| 1Y Return | +3.49% | +32.62% | |
| 3Y Return (annualized) | +5.33% | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 1.8% | 13.6% | |
| Max Drawdown | -1.3% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 13, 2023 | Oct 20, 2011 |
IBID vs SCHD Performance
iShares iBonds Oct 2027 Term TIPS ETF (IBID) 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 IBID returned +3.49% while SCHD returned +32.62%. Year to date, IBID is up 2.43% versus a gain of 25.62% for SCHD.
Over three years, IBID compounded at +5.33% per year against +15.58% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.47% annualized vs +5.33%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.8% for IBID. 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 -1.3% for IBID 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBID 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, IBID currently yields 3.68% against 3.31% for SCHD.
Holdings Overlap
IBID and SCHD share 0 holdings out of 106 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, IBID or SCHD?
IBID has an expense ratio of 0.10% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, IBID or SCHD?
Over the past year IBID returned +3.49% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), IBID annualized +5.33% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, IBID or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.8% for IBID. Worst drawdown: IBID -1.3% vs SCHD -33.4%.
Should I hold both IBID and SCHD?
IBID and SCHD have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBID and SCHD?
IBID and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 106 unique securities.
Which pays a higher dividend, IBID or SCHD?
IBID yields 3.68% while SCHD yields 3.31%, so IBID currently pays the higher dividend yield.
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