IBLC vs SCHD
iShares Blockchain and Tech ETF vs Schwab US Dividend Equity ETF
Which is better, IBLC or SCHD?
Multi Alternative against Large Cap Value.
SCHD has a lower expense ratio. IBLC led over 3Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 62.6%.
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 | IBLC | SCHD |
|---|---|---|
| Expense Ratio | 0.47% | 0.06%Best |
| AUM | $83M | $112.2B |
| Dividend Yield | 5.71% | 3.13% |
| Holdings | 52 | 103 |
| YTD Return | +9.25% | +28.59%Best |
| 1Y Return | +15.41% | +31.77%Best |
| 3Y Return (annualized) | +42.59%Best | +16.70% |
| 5Y Return (annualized) | - | +10.09% |
| Volatility (annualized) | 66.6% | 14.9%Best |
| Max Drawdown | -62.5% | -16.1%Best |
| $10,000 over 4.4 years | $22,791Best | $16,118 |
| Top 10 Weight | 62.6% | 41.5%Best |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Value |
| Inception | Apr 25, 2022 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 4.4 years row, are measured over the window both funds cover: Apr 27, 2022 to Sep 3, 2026 (4.4 years).
IBLC 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 4.4 years both funds cover.
IBLC vs SCHD Performance
iShares Blockchain and Tech ETF (IBLC) 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 IBLC returned +15.41% while SCHD returned +31.77%. Year to date, IBLC is up 9.25% versus a gain of 28.59% for SCHD.
Over three years, IBLC compounded at +42.59% per year against +16.70% for SCHD. Across the full 4-year window we track, IBLC has the edge at +20.59% annualized vs +11.46%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IBLC has been the more volatile fund, with annualized monthly volatility of 66.6% compared with 14.9% for SCHD. 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 -62.5% for IBLC 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 0.36. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBLC charges 0.47% per year while SCHD charges 0.06%. On a $10,000 position that is $47 vs $6 annually, a gap of $41 per year that compounds over a long holding period. On income, IBLC currently yields 5.71% against 3.13% for SCHD.
Holdings Overlap
We hold position weights for 42 holdings in IBLC 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 42 positions we hold weights for in IBLC and 100 in SCHD, against full books of 52 and 103.
What only one of them owns
Our book lists 99 positions for SCHD that do not appear in our book for IBLC (99.9% of the fund), and 31 for IBLC that do not appear in SCHD (82.3%).
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 IBLC 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, IBLC or SCHD?
IBLC has an expense ratio of 0.47% while SCHD charges 0.06%. SCHD is the cheaper option, by $41 a year on a $10,000 investment.
Which performed better, IBLC or SCHD?
Over the past year IBLC returned +15.41% vs +31.77% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), IBLC annualized +20.59% vs +11.46% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IBLC or SCHD?
IBLC has been the more volatile fund at 66.6% annualized versus 14.9% for SCHD. Worst drawdown: IBLC -62.5% vs SCHD -16.1%.
Should I hold both IBLC and SCHD?
IBLC and SCHD have a monthly-return correlation of 0.36, 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, IBLC or SCHD?
IBLC yields 5.71% while SCHD yields 3.13%, so IBLC currently pays the higher dividend yield.
Is SCHD better than IBLC?
SCHD has a lower expense ratio. IBLC led over 3Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 62.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.