ICF vs SCHD
ICF vs SCHD
iShares Select US REIT 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 | ICF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.32% | 0.06% | |
| AUM | $2.1B | $103.7B | |
| Dividend Yield | 2.46% | 3.31% | |
| Holdings | 34 | 104 | |
| YTD Return | +15.58% | +24.26% | |
| 1Y Return | +16.05% | +31.38% | |
| 3Y Return (annualized) | +10.45% | +15.08% | |
| 5Y Return (annualized) | +2.54% | +9.72% | |
| Volatility (annualized) | 21.3% | 13.6% | |
| Max Drawdown | -78.8% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jan 29, 2001 | Oct 20, 2011 |
ICF vs SCHD Performance
iShares Select US REIT ETF (ICF) 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 ICF returned +16.05% while SCHD returned +31.38%. Year to date, ICF is up 15.58% versus a gain of 24.26% for SCHD.
Over three years, ICF compounded at +10.45% per year against +15.08% for SCHD; over five years the annualized figures are +2.54% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +5.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ICF has been the more volatile fund, with annualized monthly volatility of 21.3% 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 -78.8% for ICF 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ICF charges 0.32% per year while SCHD charges 0.06%. On a $10,000 position that is $32 vs $6 annually, a gap of $26 per year that compounds over a long holding period. On income, ICF currently yields 2.46% against 3.31% for SCHD.
Holdings Overlap
ICF and SCHD share 0 holdings out of 131 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, ICF or SCHD?
ICF has an expense ratio of 0.32% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
Which performed better, ICF or SCHD?
Over the past year ICF returned +16.05% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), ICF annualized +5.51% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, ICF or SCHD?
ICF has been the more volatile fund at 21.3% annualized versus 13.6% for SCHD. Worst drawdown: ICF -78.8% vs SCHD -33.4%.
Should I hold both ICF and SCHD?
ICF and SCHD have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ICF and SCHD?
ICF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 131 unique securities.
Which pays a higher dividend, ICF or SCHD?
ICF yields 2.46% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.