IFLO vs SCHD
VictoryShares International Free Cash Flow ETF vs Schwab US Dividend Equity ETF
Which is better, IFLO or SCHD?
IFLO has been ahead.
SCHD has a lower expense ratio. IFLO led over 1Y and the full window. IFLO is less concentrated, with 19.6% of the fund in its ten largest positions against 41.5%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IFLO | SCHD |
|---|---|---|
| Expense Ratio | 0.56% | 0.06%Best |
| AUM | $281M | $112.2B |
| Dividend Yield | 1.33% | 3.13% |
| Holdings | 102 | 103 |
| YTD Return | +31.92%Best | +27.56% |
| 1Y Return | +40.01%Best | +30.29% |
| 3Y Return (annualized) | - | +16.37% |
| 5Y Return (annualized) | - | +10.23% |
| Volatility (annualized) | 10.5%Best | 12.3% |
| Max Drawdown | -6.4% | -4.6%Best |
| $10,000 over 1.2 years | $15,030Best | $13,704 |
| Top 10 Weight | 19.6%Best | 41.5% |
| Fund Family | Victory Capital Management Inc. | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Value |
| Inception | Jun 25, 2025 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 1.2 years row, are measured over the window both funds cover: Jun 26, 2025 to Sep 4, 2026 (1.2 years).
IFLO vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.2 years both funds cover.
IFLO vs SCHD Performance
VictoryShares International Free Cash Flow ETF (IFLO) is an ETF from Victory Capital Management Inc. and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year IFLO returned +40.01% while SCHD returned +30.29%. Year to date, IFLO is up 31.92% versus a gain of 27.56% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 12.3% compared with 10.5% 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 -4.6% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.85. 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 1.33% against 3.13% for SCHD.
Holdings Overlap
0.6% of IFLO's money is in holdings SCHD also owns. 0.2% of SCHD's money is in holdings IFLO also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 100 positions we hold weights for in IFLO and 100 in SCHD, against full books of 102 and 103.
What only one of them owns
Our book lists 98 positions for SCHD that do not appear in our book for IFLO (99.7% of the fund), and 0 for IFLO that do not appear in SCHD (0.0%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in IFLO | Weight in SCHD | Difference |
|---|---|---|---|
| ALVAllianz Ag | 0.61% | 0.21% | 0.40% |
You are not choosing between two funds in isolation.
Whichever of IFLO and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $50 a year on a $10,000 investment.
Which performed better, IFLO or SCHD?
Over the past year IFLO returned +40.01% vs +30.29% for SCHD, so IFLO leads on 1-year performance. Over the longest common window we track (1 years), IFLO annualized +40.43% vs +30.03% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IFLO or SCHD?
SCHD has been the more volatile fund at 12.3% annualized versus 10.5% for IFLO. Worst drawdown: IFLO -6.4% vs SCHD -4.6%.
Should I hold both IFLO and SCHD?
IFLO and SCHD have a monthly-return correlation of 0.85, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, IFLO or SCHD?
IFLO yields 1.33% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than IFLO?
SCHD has a lower expense ratio. IFLO led over 1Y and the full window. IFLO is less concentrated, with 19.6% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.