IFRA vs SCHD
iShares US Infrastructure ETF vs Schwab US Dividend Equity ETF
Which is better, IFRA or SCHD?
Mid Cap Value against Large Cap Value.
SCHD has a lower expense ratio. IFRA led over 3Y and 5Y, SCHD over 1Y and the full window. IFRA is less concentrated, with 33.0% of the fund in its ten largest positions against 41.8%.
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 | IFRA | SCHD |
|---|---|---|
| Expense Ratio | 0.30% | 0.06%Best |
| AUM | $4.2B | $112.1B |
| Dividend Yield | 1.66% | 3.00% |
| Holdings | 168 | 103 |
| YTD Return | +4.37% | +21.33%Best |
| 1Y Return | +7.47% | +25.15%Best |
| 3Y Return (annualized) | +15.89%Best | +15.43% |
| 5Y Return (annualized) | +11.93%Best | +9.32% |
| Volatility (annualized) | 19.9% | 16.3%Best |
| Max Drawdown | -41.1% | -33.4%Best |
| $10,000 over 5 years | $17,568Best | $15,613 |
| Top 10 Weight | 33.0%Best | 41.8% |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Mid Cap Value | Large Cap Value |
| Inception | Apr 3, 2018 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Apr 5, 2018 to Sep 24, 2026 (8.5 years).
IFRA 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 8.5 years both funds cover.
IFRA vs SCHD Performance
iShares US Infrastructure ETF (IFRA) is an ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year IFRA returned +7.47% while SCHD returned +25.15%. Year to date, IFRA is up 4.37% versus a gain of 21.33% for SCHD.
Over three years, IFRA compounded at +15.89% per year against +15.43% for SCHD; over five years the annualized figures are +11.93% and +9.32% respectively. Across the full 9-year window we track, SCHD has the edge at +11.10% annualized vs +10.82%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IFRA has been the more volatile fund, with annualized monthly volatility of 19.9% compared with 16.3% 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 -41.1% for IFRA and -33.4% 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 0.87. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IFRA charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, IFRA currently yields 1.66% against 3.00% for SCHD.
Holdings Overlap
1.8% of IFRA's money is in holdings SCHD also owns. 1.5% of SCHD's money is in holdings IFRA also owns.
IFRA and SCHD share little of their money.
1 positions in common, counted across the 162 positions we hold weights for in IFRA and 100 in SCHD, against full books of 168 and 103.
What only one of them owns
Our book lists 98 positions for SCHD that do not appear in our book for IFRA (98.5% of the fund), and 148 for IFRA that do not appear in SCHD (89.8%).
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 IFRA | Weight in SCHD | Difference |
|---|---|---|---|
| OKEOneok Inc. | 1.76% | 1.47% | 0.29% |
You are not choosing between two funds in isolation.
Whichever of IFRA 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, IFRA or SCHD?
IFRA has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option, by $24 a year on a $10,000 investment.
Which performed better, IFRA or SCHD?
Over the past year IFRA returned +7.47% vs +25.15% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), IFRA annualized +10.82% vs +11.10% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IFRA or SCHD?
IFRA has been the more volatile fund at 19.9% annualized versus 16.3% for SCHD. Worst drawdown: IFRA -41.1% vs SCHD -33.4%.
Should I hold both IFRA and SCHD?
IFRA and SCHD have a monthly-return correlation of 0.87, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between IFRA and SCHD?
1.8% of IFRA's money is in holdings SCHD also owns. 1.5% of SCHD's is in holdings IFRA also owns. They hold 1 positions in common, counted across the 162 positions we hold weights for in IFRA and 100 in SCHD.
Which pays a higher dividend, IFRA or SCHD?
IFRA yields 1.66% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than IFRA?
SCHD has a lower expense ratio. IFRA led over 3Y and 5Y, SCHD over 1Y and the full window. IFRA is less concentrated, with 33.0% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.