IBLC vs SCHD
iShares Blockchain and Tech 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 | IBLC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.47% | 0.06% | |
| AUM | $82M | $103.7B | |
| Dividend Yield | 5.34% | 3.31% | |
| Holdings | 52 | 104 | |
| YTD Return | -1.11% | +26.21% | |
| 1Y Return | +11.24% | +29.99% | |
| 3Y Return (annualized) | +33.07% | +15.73% | |
| 5Y Return (annualized) | - | +9.67% | |
| Volatility (annualized) | 67.2% | 13.6% | |
| Max Drawdown | -62.5% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Apr 25, 2022 | Oct 20, 2011 |
IBLC vs SCHD Performance
iShares Blockchain and Tech ETF (IBLC) 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 IBLC returned +11.24% while SCHD returned +29.99%. Year to date, IBLC is down 1.11% versus a gain of 26.21% for SCHD.
Over three years, IBLC compounded at +33.07% per year against +15.73% for SCHD. Across the full 4-year window we track, IBLC has the edge at +18.12% annualized vs +11.50%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IBLC has been the more volatile fund, with annualized monthly volatility of 67.2% compared with 13.6% 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 -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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
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 5.34% against 3.31% for SCHD.
Holdings Overlap
IBLC and SCHD share 1 holdings out of 141 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IBLC | Weight in SCHD | Difference |
|---|---|---|---|
| CAN | 0.10% | 0.03% | 0.07% |
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. On a $10,000 investment, that is $41 per year of difference.
Which performed better, IBLC or SCHD?
Over the past year IBLC returned +11.24% vs +29.99% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), IBLC annualized +18.12% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, IBLC or SCHD?
IBLC has been the more volatile fund at 67.2% annualized versus 13.6% for SCHD. Worst drawdown: IBLC -62.5% vs SCHD -33.4%.
Should I hold both IBLC and SCHD?
IBLC and SCHD have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IBLC and SCHD?
IBLC and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 141 unique securities.
Which pays a higher dividend, IBLC or SCHD?
IBLC yields 5.34% while SCHD yields 3.31%, so IBLC currently pays the higher dividend yield.
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