IHAK vs SCHD
iShares Cybersecurity and Tech 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 104 holdings.
Side-by-Side Comparison
| Metric | IHAK | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.47% | 0.06% | |
| AUM | $1.1B | $108.7B | |
| Dividend Yield | 0.07% | 3.13% | |
| Holdings | 49 | 104 | |
| YTD Return | +36.30% | +28.63% | |
| 1Y Return | +26.74% | +32.53% | |
| 3Y Return (annualized) | +19.67% | +16.97% | |
| 5Y Return (annualized) | +8.83% | +10.47% | |
| Volatility (annualized) | 20.8% | 13.7% | |
| Max Drawdown | -34.4% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 11, 2019 | Oct 20, 2011 |
IHAK vs SCHD Performance
iShares Cybersecurity and Tech ETF (IHAK) 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 IHAK returned +26.74% while SCHD returned +32.53%. Year to date, IHAK is up 36.30% versus a gain of 28.63% for SCHD.
Over three years, IHAK compounded at +19.67% per year against +16.97% for SCHD; over five years the annualized figures are +8.83% and +10.47% respectively. Across the full 7-year window we track, IHAK has the edge at +14.13% annualized vs +11.63%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IHAK has been the more volatile fund, with annualized monthly volatility of 20.8% compared with 13.7% 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 -34.4% for IHAK 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 0.40. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IHAK charges 0.47% per year while SCHD charges 0.06%. On a $10,000 position that is $47 vs $6 annually, a gap of $41 per year that compounds over a long holding period. On income, IHAK currently yields 0.07% against 3.13% for SCHD.
Holdings Overlap
IHAK and SCHD share 1 holdings out of 134 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 IHAK | Weight in SCHD | Difference |
|---|---|---|---|
| BAH | 2.83% | 0.23% | 2.60% |
Frequently Asked Questions
Which is cheaper, IHAK or SCHD?
IHAK has an expense ratio of 0.47% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $41 per year of difference.
Which performed better, IHAK or SCHD?
Over the past year IHAK returned +26.74% vs +32.53% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), IHAK annualized +14.13% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, IHAK or SCHD?
IHAK has been the more volatile fund at 20.8% annualized versus 13.7% for SCHD. Worst drawdown: IHAK -34.4% vs SCHD -33.4%.
Should I hold both IHAK and SCHD?
IHAK and SCHD have a monthly-return correlation of 0.40, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IHAK and SCHD?
IHAK and SCHD share 1 common holdings with a 0.2% weight overlap. Combined, they hold 134 unique securities.
Which pays a higher dividend, IHAK or SCHD?
IHAK yields 0.07% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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