IMCB vs SCHD
IMCB vs SCHD
iShares Morningstar Mid-Cap ETF vs Schwab US Dividend Equity ETF
Quick Verdict
IMCB has a lower expense ratio. SCHD delivered stronger 1-year returns. IMCB offers more diversification with 396 holdings.
Side-by-Side Comparison
| Metric | IMCB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.06% | |
| AUM | $1.7B | $103.7B | |
| Dividend Yield | 1.22% | 3.31% | |
| Holdings | 399 | 104 | |
| YTD Return | +20.03% | +24.26% | |
| 1Y Return | +25.79% | +31.38% | |
| 3Y Return (annualized) | +17.72% | +15.08% | |
| 5Y Return (annualized) | +9.58% | +9.72% | |
| Volatility (annualized) | 17.2% | 13.6% | |
| Max Drawdown | -59.6% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 28, 2004 | Oct 20, 2011 |
IMCB vs SCHD Performance
iShares Morningstar Mid-Cap ETF (IMCB) 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 IMCB returned +25.79% while SCHD returned +31.38%. Year to date, IMCB is up 20.03% versus a gain of 24.26% for SCHD.
Over three years, IMCB compounded at +17.72% per year against +15.08% for SCHD; over five years the annualized figures are +9.58% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +9.37%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IMCB has been the more volatile fund, with annualized monthly volatility of 17.2% 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 -59.6% for IMCB 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 0.87. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IMCB charges 0.04% per year while SCHD charges 0.06%. On a $10,000 position that is $4 vs $6 annually, a gap of $2 per year that compounds over a long holding period. On income, IMCB currently yields 1.22% against 3.31% for SCHD.
Holdings Overlap
IMCB and SCHD share 26 holdings out of 470 unique holdings combined, representing a 7.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IMCB | Weight in SCHD | Difference |
|---|---|---|---|
| ADP | 0.66% | 2.54% | 1.88% |
| UPS | 0.57% | 2.25% | 1.68% |
| EOG | 0.47% | 1.98% | 1.51% |
| SLB:CW | Pro | Pro | Pro |
| TGT | Pro | Pro | Pro |
| OKE | Pro | Pro | Pro |
| F | Pro | Pro | Pro |
| FAST | Pro | Pro | Pro |
| FITB | Pro | Pro | Pro |
| DVN | Pro | Pro | Pro |
See all 10 holdings IMCB shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, IMCB or SCHD?
IMCB has an expense ratio of 0.04% while SCHD charges 0.06%. IMCB is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, IMCB or SCHD?
Over the past year IMCB returned +25.79% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), IMCB annualized +9.37% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, IMCB or SCHD?
IMCB has been the more volatile fund at 17.2% annualized versus 13.6% for SCHD. Worst drawdown: IMCB -59.6% vs SCHD -33.4%.
Should I hold both IMCB and SCHD?
IMCB and SCHD have a monthly-return correlation of 0.87, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IMCB and SCHD?
IMCB and SCHD share 26 common holdings with a 7.0% weight overlap. Combined, they hold 470 unique securities.
Which pays a higher dividend, IMCB or SCHD?
IMCB yields 1.22% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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