ILS vs SCHD
ILS vs SCHD
Brookmont Catastrophic Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | ILS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.58% | 0.06% | |
| AUM | $81M | $103.7B | |
| Dividend Yield | 8.23% | 3.31% | |
| Holdings | 81 | 104 | |
| YTD Return | +3.70% | +24.26% | |
| 1Y Return | +7.82% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 2.6% | 13.6% | |
| Max Drawdown | -1.6% | -33.4% | |
| Fund Family | ILS ETFs | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Mar 14, 2025 | Oct 20, 2011 |
ILS vs SCHD Performance
Brookmont Catastrophic Bond ETF (ILS) is a ETF from ILS ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year ILS returned +7.82% while SCHD returned +31.38%. Year to date, ILS is up 3.70% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 2.6% for ILS. 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 -1.6% for ILS 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 -0.15. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ILS charges 1.58% per year while SCHD charges 0.06%. On a $10,000 position that is $158 vs $6 annually, a gap of $152 per year that compounds over a long holding period. On income, ILS currently yields 8.23% against 3.31% for SCHD.
Holdings Overlap
ILS and SCHD share 0 holdings out of 101 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, ILS or SCHD?
ILS has an expense ratio of 1.58% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $152 per year of difference.
Which performed better, ILS or SCHD?
Over the past year ILS returned +7.82% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), ILS annualized +7.00% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, ILS or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 2.6% for ILS. Worst drawdown: ILS -1.6% vs SCHD -33.4%.
Should I hold both ILS and SCHD?
ILS and SCHD have a monthly-return correlation of -0.15, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ILS and SCHD?
ILS and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, ILS or SCHD?
ILS yields 8.23% while SCHD yields 3.31%, so ILS currently pays the higher dividend yield.
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