IBUY vs SCHD
Amplify Online Retail 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 104 holdings.
Side-by-Side Comparison
| Metric | IBUY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.06% | |
| AUM | $129M | $108.7B | |
| Dividend Yield | 0.43% | 3.13% | |
| Holdings | 85 | 104 | |
| YTD Return | +0.06% | +28.63% | |
| 1Y Return | +1.81% | +32.53% | |
| 3Y Return (annualized) | +17.10% | +16.97% | |
| 5Y Return (annualized) | -7.59% | +10.47% | |
| Volatility (annualized) | 28.9% | 13.7% | |
| Max Drawdown | -73.0% | -33.4% | |
| Fund Family | Amplify ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 19, 2016 | Oct 20, 2011 |
IBUY vs SCHD Performance
Amplify Online Retail ETF (IBUY) is a ETF from Amplify ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IBUY returned +1.81% while SCHD returned +32.53%. Year to date, IBUY is up 0.06% versus a gain of 28.63% for SCHD.
Over three years, IBUY compounded at +17.10% per year against +16.97% for SCHD; over five years the annualized figures are -7.59% and +10.47% respectively. Across the full 10-year window we track, SCHD has the edge at +11.63% annualized vs +11.03%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IBUY has been the more volatile fund, with annualized monthly volatility of 28.9% compared with 13.7% 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 -73.0% for IBUY 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
IBUY charges 0.65% per year while SCHD charges 0.06%. On a $10,000 position that is $65 vs $6 annually, a gap of $59 per year that compounds over a long holding period. On income, IBUY currently yields 0.43% against 3.13% for SCHD.
Holdings Overlap
IBUY and SCHD share 5 holdings out of 178 unique holdings combined, representing a 1.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IBUY or SCHD?
IBUY has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, IBUY or SCHD?
Over the past year IBUY returned +1.81% vs +32.53% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (10 years), IBUY annualized +11.03% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, IBUY or SCHD?
IBUY has been the more volatile fund at 28.9% annualized versus 13.7% for SCHD. Worst drawdown: IBUY -73.0% vs SCHD -33.4%.
Should I hold both IBUY and SCHD?
IBUY 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 IBUY and SCHD?
IBUY and SCHD share 5 common holdings with a 1.9% weight overlap. Combined, they hold 178 unique securities.
Which pays a higher dividend, IBUY or SCHD?
IBUY yields 0.43% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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