IFN vs SCHD
Aberdeen India Fund Inc. 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 | IFN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.35% | 0.06% | |
| AUM | $703M | $103.7B | |
| Dividend Yield | 20.84% | 3.31% | |
| Holdings | 50 | 104 | |
| YTD Return | -9.15% | +25.58% | |
| 1Y Return | -9.43% | +31.06% | |
| 3Y Return (annualized) | -0.08% | +15.55% | |
| 5Y Return (annualized) | +0.47% | +9.61% | |
| Volatility (annualized) | 31.5% | 13.6% | |
| Max Drawdown | -83.5% | -33.4% | |
| Fund Family | Aberdeen | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 23, 1994 | Oct 20, 2011 |
IFN vs SCHD Performance
Aberdeen India Fund Inc. (IFN) is a ETF from Aberdeen and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IFN returned -9.43% while SCHD returned +31.06%. Year to date, IFN is down 9.15% versus a gain of 25.58% for SCHD.
Over three years, IFN compounded at -0.08% per year against +15.55% for SCHD; over five years the annualized figures are +0.47% and +9.61% respectively. Across the full 15-year window we track, SCHD has the edge at +11.46% annualized vs +3.29%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IFN has been the more volatile fund, with annualized monthly volatility of 31.5% 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 -83.5% for IFN 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IFN charges 1.35% per year while SCHD charges 0.06%. On a $10,000 position that is $135 vs $6 annually, a gap of $129 per year that compounds over a long holding period. On income, IFN currently yields 20.84% against 3.31% for SCHD.
Holdings Overlap
IFN and SCHD share 1 holdings out of 148 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IFN | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 0.20% | 0.04% | 0.16% |
Frequently Asked Questions
Which is cheaper, IFN or SCHD?
IFN has an expense ratio of 1.35% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $129 per year of difference.
Which performed better, IFN or SCHD?
Over the past year IFN returned -9.43% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), IFN annualized +3.29% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, IFN or SCHD?
IFN has been the more volatile fund at 31.5% annualized versus 13.6% for SCHD. Worst drawdown: IFN -83.5% vs SCHD -33.4%.
Should I hold both IFN and SCHD?
IFN and SCHD have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IFN and SCHD?
IFN and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 148 unique securities.
Which pays a higher dividend, IFN or SCHD?
IFN yields 20.84% while SCHD yields 3.31%, so IFN currently pays the higher dividend yield.
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