ILTB vs SCHD
iShares Core 10+ Year USD Bond ETF vs Schwab US Dividend Equity ETF
Which is better, ILTB or SCHD?
Long Term Bond against Large Cap Value.
SCHD led over 1Y, 3Y, 5Y and the full window.
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 | ILTB | SCHD |
|---|---|---|
| Expense Ratio | 0.06%Tie | 0.06%Tie |
| AUM | $589M | $112.1B |
| Dividend Yield | 5.11% | 3.00% |
| Holdings | 3,866 | 103 |
| YTD Return | -3.79% | +21.99%Best |
| 1Y Return | -4.12% | +25.92%Best |
| 3Y Return (annualized) | +3.84% | +15.66%Best |
| 5Y Return (annualized) | -4.70% | +9.48%Best |
| Volatility (annualized) | 10.7%Best | 13.7% |
| Max Drawdown | -38.0% | -33.4%Best |
| $10,000 over 5 years | $7,861 | $15,728Best |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Long Term Bond | Large Cap Value |
| Inception | Dec 8, 2009 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 23, 2026 (14.9 years).
ILTB 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
ILTB vs SCHD Performance
iShares Core 10+ Year USD Bond ETF (ILTB) 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 ILTB returned -4.12% while SCHD returned +25.92%. Year to date, ILTB is down 3.79% versus a gain of 21.99% for SCHD.
Over three years, ILTB compounded at +3.84% per year against +15.66% for SCHD; over five years the annualized figures are -4.70% and +9.48% respectively. Across the full 15-year window we track, SCHD has the edge at +11.15% annualized vs -0.04%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 10.7% for ILTB. 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 -38.0% for ILTB 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 0.28. They move largely independently of each other.
Fees and Cost Over Time
ILTB charges 0.06% per year while SCHD charges 0.06%. On a $10,000 position that is $6 vs $6 annually. On income, ILTB currently yields 5.11% against 3.00% for SCHD.
Holdings Overlap
At least 1.0% of SCHD's money is in holdings ILTB also owns.
Stated as a floor: for ILTB, our book for it covers 58.5% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 1,063 positions we hold weights for in ILTB and 100 in SCHD, against full books of 3,866 and 103.
Top Shared Holdings
| Stock | Weight in ILTB | Weight in SCHD | Difference |
|---|---|---|---|
| ADMArcher-Daniels-Midland Co. | 0.00% | 0.96% | 0.96% |
You are not choosing between two funds in isolation.
Whichever of ILTB 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, ILTB or SCHD?
ILTB has an expense ratio of 0.06% while SCHD charges 0.06%. At the precision these are quoted to, they cost the same.
Which performed better, ILTB or SCHD?
Over the past year ILTB returned -4.12% vs +25.92% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), ILTB annualized -0.04% vs +11.15% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ILTB or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 10.7% for ILTB. Worst drawdown: ILTB -38.0% vs SCHD -33.4%.
Should I hold both ILTB and SCHD?
ILTB and SCHD have a monthly-return correlation of 0.28, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, ILTB or SCHD?
ILTB yields 5.11% while SCHD yields 3.00%, so ILTB currently pays the higher dividend yield.
Is SCHD better than ILTB?
SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.