ILTB vs SCHD
iShares Core 10+ Year USD Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD delivered stronger 1-year returns. ILTB offers more diversification with 1067 holdings.
Side-by-Side Comparison
| Metric | ILTB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.06% | |
| AUM | $599M | $103.7B | |
| Dividend Yield | 4.92% | 3.31% | |
| Holdings | 3,896 | 104 | |
| YTD Return | -1.94% | +24.26% | |
| 1Y Return | +0.31% | +31.38% | |
| 3Y Return (annualized) | +2.69% | +15.08% | |
| 5Y Return (annualized) | -4.12% | +9.72% | |
| Volatility (annualized) | 10.5% | 13.6% | |
| Max Drawdown | -38.0% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Dec 8, 2009 | Oct 20, 2011 |
ILTB vs SCHD Performance
iShares Core 10+ Year USD Bond ETF (ILTB) 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 ILTB returned +0.31% while SCHD returned +31.38%. Year to date, ILTB is down 1.94% versus a gain of 24.26% for SCHD.
Over three years, ILTB compounded at +2.69% per year against +15.08% for SCHD; over five years the annualized figures are -4.12% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +1.00%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 10.5% 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 worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.28. They move independently enough that combining them can meaningfully diversify a portfolio.
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 4.92% against 3.31% for SCHD.
Holdings Overlap
ILTB and SCHD share 1 holdings out of 1166 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in ILTB | Weight in SCHD | Difference |
|---|---|---|---|
| ADM | 0.00% | 1.07% | 1.07% |
Frequently Asked Questions
Which is cheaper, ILTB or SCHD?
ILTB has an expense ratio of 0.06% while SCHD charges 0.06%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, ILTB or SCHD?
Over the past year ILTB returned +0.31% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), ILTB annualized +1.00% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, ILTB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.5% 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 combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ILTB and SCHD?
ILTB and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 1166 unique securities.
Which pays a higher dividend, ILTB or SCHD?
ILTB yields 4.92% while SCHD yields 3.31%, so ILTB currently pays the higher dividend yield.
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