IBMX vs SCHD
iShares iBonds Dec 2035 Term Muni Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. IBMX offers more diversification with 141 holdings.
Side-by-Side Comparison
| Metric | IBMX | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.06% | |
| AUM | $6M | $112.2B | |
| Dividend Yield | 0.60% | 3.13% | |
| Holdings | 141 | 103 | |
| YTD Return | -2.65% | +27.89% | |
| 1Y Return | - | +29.93% | |
| 3Y Return (annualized) | - | +16.13% | |
| 5Y Return (annualized) | - | +10.00% | |
| Volatility (annualized) | - | 13.6% | |
| Max Drawdown | -3.3% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Apr 14, 2026 | Oct 20, 2011 |
IBMX vs SCHD Performance
iShares iBonds Dec 2035 Term Muni Bond ETF (IBMX) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, IBMX is down 2.65% versus a gain of 27.89% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -3.3% for IBMX and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
IBMX charges 0.18% per year while SCHD charges 0.06%. On a $10,000 position that is $18 vs $6 annually, a gap of $12 per year that compounds over a long holding period. On income, IBMX currently yields 0.60% against 3.13% for SCHD.
Holdings Overlap
IBMX and SCHD share 0 holdings out of 134 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, IBMX or SCHD?
IBMX has an expense ratio of 0.18% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
What is the holdings overlap between IBMX and SCHD?
IBMX and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 134 unique securities.
Which pays a higher dividend, IBMX or SCHD?
IBMX yields 0.60% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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