IBIE vs SCHD
iShares iBonds Oct 2028 Term TIPS ETF vs Schwab US Dividend Equity ETF
Which is better, IBIE or SCHD?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window.
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 | IBIE | SCHD |
|---|---|---|
| Expense Ratio | 0.10% | 0.06%Best |
| AUM | $211M | $112.1B |
| Dividend Yield | 4.96% | 3.00% |
| Holdings | 8 | 103 |
| YTD Return | +2.03% | +24.59%Best |
| 1Y Return | +2.08% | +28.14%Best |
| 3Y Return (annualized) | +5.18% | +15.58%Best |
| 5Y Return (annualized) | - | +9.90% |
| Volatility (annualized) | 2.5%Best | 13.3% |
| Max Drawdown | -1.7%Best | -16.1% |
| $10,000 over 3 years | $11,636 | $15,496Best |
| Top 10 Weight | - | 41.8% |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Value |
| Inception | Sep 13, 2023 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3 years row, are measured over the window both funds cover: Sep 15, 2023 to Sep 10, 2026 (3 years).
IBIE 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 3 years both funds cover.
IBIE vs SCHD Performance
iShares iBonds Oct 2028 Term TIPS ETF (IBIE) 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 IBIE returned +2.08% while SCHD returned +28.14%. Year to date, IBIE is up 2.03% versus a gain of 24.59% for SCHD.
Over three years, IBIE compounded at +5.18% per year against +15.58% 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 13.3% compared with 2.5% for IBIE. 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 -1.7% for IBIE 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 0.41. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBIE 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, IBIE currently yields 4.96% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 7 holdings in IBIE and 100 in SCHD, totalling 100.0% 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 7 positions we hold weights for in IBIE and 100 in SCHD, against full books of 8 and 103.
What only one of them owns
Our book lists 99 positions for SCHD that do not appear in our book for IBIE (99.9% of the fund), and 7 for IBIE that do not appear in SCHD (100.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of IBIE 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, IBIE or SCHD?
IBIE 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, IBIE or SCHD?
Over the past year IBIE returned +2.08% vs +28.14% 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, IBIE or SCHD?
SCHD has been the more volatile fund at 13.3% annualized versus 2.5% for IBIE. Worst drawdown: IBIE -1.7% vs SCHD -16.1%.
Should I hold both IBIE and SCHD?
IBIE and SCHD have a monthly-return correlation of 0.41, 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, IBIE or SCHD?
IBIE yields 4.96% while SCHD yields 3.00%, so IBIE currently pays the higher dividend yield.
Is SCHD better than IBIE?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.