ILF vs SCHD
iShares Latin America 40 ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. ILF delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | ILF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.47% | 0.06% | |
| AUM | $3.8B | $103.7B | |
| Dividend Yield | 3.50% | 3.31% | |
| Holdings | 52 | 104 | |
| YTD Return | +13.40% | +25.33% | |
| 1Y Return | +39.26% | +32.31% | |
| 3Y Return (annualized) | +14.89% | +15.40% | |
| 5Y Return (annualized) | +10.56% | +9.70% | |
| Volatility (annualized) | 26.8% | 13.6% | |
| Max Drawdown | -74.4% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 25, 2001 | Oct 20, 2011 |
ILF vs SCHD Performance
iShares Latin America 40 ETF (ILF) 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 ILF returned +39.26% while SCHD returned +32.31%. Year to date, ILF is up 13.40% versus a gain of 25.33% for SCHD.
Over three years, ILF compounded at +14.89% per year against +15.40% for SCHD; over five years the annualized figures are +10.56% and +9.70% respectively. Across the full 15-year window we track, SCHD has the edge at +11.45% annualized vs +7.50%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ILF has been the more volatile fund, with annualized monthly volatility of 26.8% 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 -74.4% for ILF 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ILF 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, ILF currently yields 3.50% against 3.31% for SCHD.
Holdings Overlap
ILF and SCHD share 0 holdings out of 142 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, ILF or SCHD?
ILF 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, ILF or SCHD?
Over the past year ILF returned +39.26% vs +32.31% for SCHD, so ILF leads on 1-year performance. Over the longest common window we track (15 years), ILF annualized +7.50% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, ILF or SCHD?
ILF has been the more volatile fund at 26.8% annualized versus 13.6% for SCHD. Worst drawdown: ILF -74.4% vs SCHD -33.4%.
Should I hold both ILF and SCHD?
ILF and SCHD have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ILF and SCHD?
ILF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 142 unique securities.
Which pays a higher dividend, ILF or SCHD?
ILF yields 3.50% while SCHD yields 3.31%, so ILF currently pays the higher dividend yield.
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