IFLO vs SCHD
VictoryShares International Free Cash Flow ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. IFLO delivered stronger 1-year returns. IFLO offers more diversification with 101 holdings.
Side-by-Side Comparison
| Metric | IFLO | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.56% | 0.06% | |
| AUM | $189M | $103.7B | |
| Dividend Yield | 0.10% | 3.31% | |
| Holdings | 103 | 104 | |
| YTD Return | +27.22% | +25.62% | |
| 1Y Return | +38.43% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 9.9% | 13.6% | |
| Max Drawdown | -6.4% | -33.4% | |
| Fund Family | Victory Capital Management Inc. | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 25, 2025 | Oct 20, 2011 |
IFLO vs SCHD Performance
VictoryShares International Free Cash Flow ETF (IFLO) is a ETF from Victory Capital Management Inc. and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IFLO returned +38.43% while SCHD returned +32.62%. Year to date, IFLO is up 27.22% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.9% for IFLO. 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 -6.4% for IFLO 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 0.86. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IFLO charges 0.56% per year while SCHD charges 0.06%. On a $10,000 position that is $56 vs $6 annually, a gap of $50 per year that compounds over a long holding period. On income, IFLO currently yields 0.10% against 3.31% for SCHD.
Holdings Overlap
IFLO and SCHD share 1 holdings out of 200 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IFLO | Weight in SCHD | Difference |
|---|---|---|---|
| ALV | 0.61% | 0.21% | 0.40% |
Frequently Asked Questions
Which is cheaper, IFLO or SCHD?
IFLO has an expense ratio of 0.56% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $50 per year of difference.
Which performed better, IFLO or SCHD?
Over the past year IFLO returned +38.43% vs +32.62% for SCHD, so IFLO leads on 1-year performance. Over the longest common window we track (1 years), IFLO annualized +38.69% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, IFLO or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.9% for IFLO. Worst drawdown: IFLO -6.4% vs SCHD -33.4%.
Should I hold both IFLO and SCHD?
IFLO and SCHD have a monthly-return correlation of 0.86, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IFLO and SCHD?
IFLO and SCHD share 1 common holdings with a 0.2% weight overlap. Combined, they hold 200 unique securities.
Which pays a higher dividend, IFLO or SCHD?
IFLO yields 0.10% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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