IJT vs SCHD
iShares S&P Small-Cap 600 Growth ETF vs Schwab US Dividend Equity ETF
Which is better, IJT or SCHD?
Small Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. IJT led over the full window, SCHD over 1Y, 3Y and 5Y. IJT is less concentrated, with 9.9% 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 | IJT | SCHD |
|---|---|---|
| Expense Ratio | 0.18% | 0.06%Best |
| AUM | $8.1B | $112.1B |
| Dividend Yield | 0.71% | 3.00% |
| Holdings | 390 | 103 |
| YTD Return | +14.58% | +21.99%Best |
| 1Y Return | +14.96% | +25.92%Best |
| 3Y Return (annualized) | +15.09% | +15.66%Best |
| 5Y Return (annualized) | +5.08% | +9.48%Best |
| Volatility (annualized) | 18.2% | 13.7%Best |
| Max Drawdown | -42.9% | -33.4%Best |
| $10,000 over 5 years | $12,812 | $15,728Best |
| Top 10 Weight | 9.9%Best | 41.8% |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Small Cap Growth | Large Cap Value |
| Inception | Jul 24, 2000 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 23, 2026 (14.9 years).
IJT 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.
IJT vs SCHD Performance
iShares S&P Small-Cap 600 Growth ETF (IJT) 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 IJT returned +14.96% while SCHD returned +25.92%. Year to date, IJT is up 14.58% versus a gain of 21.99% for SCHD.
Over three years, IJT compounded at +15.09% per year against +15.66% for SCHD; over five years the annualized figures are +5.08% and +9.48% respectively. Across the full 15-year window we track, IJT has the edge at +11.31% annualized vs +11.15%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IJT has been the more volatile fund, with annualized monthly volatility of 18.2% 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 -42.9% for IJT 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IJT charges 0.18% per year while SCHD charges 0.06%. On a $10,000 position that is $18 vs $6 annually, a gap of $12 per year that compounds over a long holding period. On income, IJT currently yields 0.71% against 3.00% for SCHD.
Holdings Overlap
1.7% of IJT's money is in holdings SCHD also owns. 0.6% of SCHD's money is in holdings IJT also owns.
IJT and SCHD share little of their money.
11 positions in common, counted across the 351 positions we hold weights for in IJT and 100 in SCHD, against full books of 390 and 103.
What only one of them owns
Our book lists 89 positions for SCHD that do not appear in our book for IJT (99.4% of the fund), and 331 for IJT that do not appear in SCHD (95.3%).
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 IJT | Weight in SCHD | Difference |
|---|---|---|---|
| CWENClearway Energy, Inc., Class C | 0.45% | 0.09% | 0.36% |
| MCMoelis & Co_None_0 | 0.26% | 0.12% | 0.14% |
| APAMArtisan Partners Asset Management, Inc. | 0.19% | 0.07% | 0.12% |
| CHCOCity Holding Co Common Stock Usd2.5 | 0.16% | 0.05% | 0.11% |
| IPARInter Parfums Inc | 0.14% | 0.05% | 0.09% |
| CNSCohen & Steers Inc | 0.12% | 0.05% | 0.07% |
| OFG:PROfg Bancorp Common Stock | 0.11% | 0.05% | 0.06% |
| PFBCPreferred Bank La | 0.11% | 0.03% | 0.08% |
| BKEBuckle Inc/the | 0.09% | 0.03% | 0.06% |
| LKFNLakeland Financial Corp. | 0.08% | 0.04% | 0.04% |
You are not choosing between two funds in isolation.
Whichever of IJT 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, IJT or SCHD?
IJT has an expense ratio of 0.18% while SCHD charges 0.06%. SCHD is the cheaper option, by $12 a year on a $10,000 investment.
Which performed better, IJT or SCHD?
Over the past year IJT returned +14.96% vs +25.92% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), IJT annualized +11.31% vs +11.15% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IJT or SCHD?
IJT has been the more volatile fund at 18.2% annualized versus 13.7% for SCHD. Worst drawdown: IJT -42.9% vs SCHD -33.4%.
Should I hold both IJT and SCHD?
IJT and SCHD have a monthly-return correlation of 0.78, 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 IJT and SCHD?
1.7% of IJT's money is in holdings SCHD also owns. 0.6% of SCHD's is in holdings IJT also owns. They hold 11 positions in common, counted across the 351 positions we hold weights for in IJT and 100 in SCHD.
Which pays a higher dividend, IJT or SCHD?
IJT yields 0.71% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than IJT?
SCHD has a lower expense ratio. IJT led over the full window, SCHD over 1Y, 3Y and 5Y. IJT is less concentrated, with 9.9% 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.