IBIH vs SCHD
iShares iBonds Oct 2031 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 | IBIH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.06% | |
| AUM | $65M | $103.7B | |
| Dividend Yield | 3.91% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | +1.16% | +25.33% | |
| 1Y Return | +2.14% | +32.31% | |
| 3Y Return (annualized) | +5.51% | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 4.5% | 13.6% | |
| Max Drawdown | -3.9% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 19, 2023 | Oct 20, 2011 |
IBIH vs SCHD Performance
iShares iBonds Oct 2031 Term TIPS ETF (IBIH) 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 IBIH returned +2.14% while SCHD returned +32.31%. Year to date, IBIH is up 1.16% versus a gain of 25.33% for SCHD.
Over three years, IBIH compounded at +5.51% per year against +15.40% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.45% annualized vs +5.51%. 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 4.5% for IBIH. 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 -3.9% for IBIH 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 0.59. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IBIH 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, IBIH currently yields 3.91% against 3.31% for SCHD.
Holdings Overlap
IBIH and SCHD share 0 holdings out of 102 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, IBIH or SCHD?
IBIH 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, IBIH or SCHD?
Over the past year IBIH returned +2.14% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), IBIH annualized +5.51% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, IBIH or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.5% for IBIH. Worst drawdown: IBIH -3.9% vs SCHD -33.4%.
Should I hold both IBIH and SCHD?
IBIH and SCHD have a monthly-return correlation of 0.59, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBIH and SCHD?
IBIH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, IBIH or SCHD?
IBIH yields 3.91% while SCHD yields 3.31%, so IBIH currently pays the higher dividend yield.
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