ILIT vs SCHD
iShares Lithium Miners and Producers ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. ILIT delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | ILIT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.47% | 0.06% | |
| AUM | $14M | $103.7B | |
| Dividend Yield | 1.84% | 3.31% | |
| Holdings | 43 | 104 | |
| YTD Return | -6.58% | +25.62% | |
| 1Y Return | +44.28% | +32.62% | |
| 3Y Return (annualized) | -6.62% | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 43.7% | 13.6% | |
| Max Drawdown | -72.1% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 21, 2023 | Oct 20, 2011 |
ILIT vs SCHD Performance
iShares Lithium Miners and Producers ETF (ILIT) 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 ILIT returned +44.28% while SCHD returned +32.62%. Year to date, ILIT is down 6.58% versus a gain of 25.62% for SCHD.
Over three years, ILIT compounded at -6.62% per year against +15.58% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.47% annualized vs -9.67%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ILIT has been the more volatile fund, with annualized monthly volatility of 43.7% 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 -72.1% for ILIT 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ILIT 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, ILIT currently yields 1.84% against 3.31% for SCHD.
Holdings Overlap
ILIT and SCHD share 0 holdings out of 135 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, ILIT or SCHD?
ILIT 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, ILIT or SCHD?
Over the past year ILIT returned +44.28% vs +32.62% for SCHD, so ILIT leads on 1-year performance. Over the longest common window we track (3 years), ILIT annualized -9.67% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, ILIT or SCHD?
ILIT has been the more volatile fund at 43.7% annualized versus 13.6% for SCHD. Worst drawdown: ILIT -72.1% vs SCHD -33.4%.
Should I hold both ILIT and SCHD?
ILIT and SCHD have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ILIT and SCHD?
ILIT and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 135 unique securities.
Which pays a higher dividend, ILIT or SCHD?
ILIT yields 1.84% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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