IHD vs SCHD
Voya Emerging Markets High Dividend Equity Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. IHD delivered stronger 1-year returns. IHD offers more diversification with 306 holdings.
Side-by-Side Comparison
| Metric | IHD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.77% | 0.06% | |
| AUM | $108M | $103.7B | |
| Dividend Yield | 8.24% | 3.31% | |
| Holdings | 627 | 104 | |
| YTD Return | +21.11% | +24.26% | |
| 1Y Return | +36.87% | +31.38% | |
| 3Y Return (annualized) | +26.17% | +15.08% | |
| 5Y Return (annualized) | +11.82% | +9.72% | |
| Volatility (annualized) | 19.4% | 13.6% | |
| Max Drawdown | -76.8% | -33.4% | |
| Fund Family | Voya Investment Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 26, 2011 | Oct 20, 2011 |
IHD vs SCHD Performance
Voya Emerging Markets High Dividend Equity Fund (IHD) is a ETF from Voya Investment Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IHD returned +36.87% while SCHD returned +31.38%. Year to date, IHD is up 21.11% versus a gain of 24.26% for SCHD.
Over three years, IHD compounded at +26.17% per year against +15.08% for SCHD; over five years the annualized figures are +11.82% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs -2.49%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IHD has been the more volatile fund, with annualized monthly volatility of 19.4% 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 -76.8% for IHD 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IHD charges 0.77% per year while SCHD charges 0.06%. On a $10,000 position that is $77 vs $6 annually, a gap of $71 per year that compounds over a long holding period. On income, IHD currently yields 8.24% against 3.31% for SCHD.
Holdings Overlap
IHD and SCHD share 0 holdings out of 406 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IHD or SCHD?
IHD has an expense ratio of 0.77% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $71 per year of difference.
Which performed better, IHD or SCHD?
Over the past year IHD returned +36.87% vs +31.38% for SCHD, so IHD leads on 1-year performance. Over the longest common window we track (15 years), IHD annualized -2.49% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, IHD or SCHD?
IHD has been the more volatile fund at 19.4% annualized versus 13.6% for SCHD. Worst drawdown: IHD -76.8% vs SCHD -33.4%.
Should I hold both IHD and SCHD?
IHD and SCHD have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IHD and SCHD?
IHD and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 406 unique securities.
Which pays a higher dividend, IHD or SCHD?
IHD yields 8.24% while SCHD yields 3.31%, so IHD currently pays the higher dividend yield.
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