IHF vs SCHD
iShares US Health Care Providers ETF vs Schwab US Dividend Equity ETF
Which is better, IHF or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. IHF led over the full window, SCHD over 1Y, 3Y and 5Y. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 71.8%.
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 | IHF | SCHD |
|---|---|---|
| Expense Ratio | 0.37% | 0.06%Best |
| AUM | $1.2B | $112.1B |
| Dividend Yield | 0.92% | 3.00% |
| Holdings | 64 | 103 |
| YTD Return | +16.20% | +23.60%Best |
| 1Y Return | +16.40% | +28.29%Best |
| 3Y Return (annualized) | +4.86% | +16.25%Best |
| 5Y Return (annualized) | +1.95% | +10.25%Best |
| Volatility (annualized) | 17.8% | 13.7%Best |
| Max Drawdown | -35.2% | -33.4%Best |
| $10,000 over 5 years | $11,014 | $16,289Best |
| Top 10 Weight | 71.8% | 41.8%Best |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | May 1, 2006 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 21, 2026 (14.9 years).
IHF 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 14.9 years both funds cover.
IHF vs SCHD Performance
iShares US Health Care Providers ETF (IHF) 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 IHF returned +16.40% while SCHD returned +28.29%. Year to date, IHF is up 16.20% versus a gain of 23.60% for SCHD.
Over three years, IHF compounded at +4.86% per year against +16.25% for SCHD; over five years the annualized figures are +1.95% and +10.25% respectively. Across the full 15-year window we track, IHF has the edge at +12.04% annualized vs +11.25%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IHF has been the more volatile fund, with annualized monthly volatility of 17.8% 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 -35.2% for IHF 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 0.61. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IHF charges 0.37% per year while SCHD charges 0.06%. On a $10,000 position that is $37 vs $6 annually, a gap of $31 per year that compounds over a long holding period. On income, IHF currently yields 0.92% against 3.00% for SCHD.
Holdings Overlap
20.1% of IHF's money is in holdings SCHD also owns. 3.8% of SCHD's money is in holdings IHF also owns.
IHF and SCHD share little of their money.
1 positions in common, counted across the 60 positions we hold weights for in IHF and 100 in SCHD, against full books of 64 and 103.
What only one of them owns
Measured across the 60 and 100 positions we hold weights for.
SCHD holds 98 positions IHF does not, 96.1% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
Top Shared Holdings
| Stock | Weight in IHF | Weight in SCHD | Difference |
|---|---|---|---|
| UNHUnitedhealth Group, Inc. | 20.14% | 3.82% | 16.32% |
20.1% of IHF is already inside SCHD.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
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Frequently Asked Questions
Which is cheaper, IHF or SCHD?
IHF has an expense ratio of 0.37% while SCHD charges 0.06%. SCHD is the cheaper option, by $31 a year on a $10,000 investment.
Which performed better, IHF or SCHD?
Over the past year IHF returned +16.40% vs +28.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), IHF annualized +12.04% vs +11.25% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IHF or SCHD?
IHF has been the more volatile fund at 17.8% annualized versus 13.7% for SCHD. Worst drawdown: IHF -35.2% vs SCHD -33.4%.
Should I hold both IHF and SCHD?
IHF and SCHD have a monthly-return correlation of 0.61, 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 IHF and SCHD?
20.1% of IHF's money is in holdings SCHD also owns. 3.8% of SCHD's is in holdings IHF also owns. They hold 1 positions in common, counted across the 60 positions we hold weights for in IHF and 100 in SCHD.
Which pays a higher dividend, IHF or SCHD?
IHF yields 0.92% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than IHF?
SCHD has a lower expense ratio. IHF led over the full window, SCHD over 1Y, 3Y and 5Y. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 71.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.