IMFL vs SCHD
IMFL vs SCHD
Invesco International Developed Dynamic Multifactor ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. IMFL offers more diversification with 852 holdings.
Side-by-Side Comparison
| Metric | IMFL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.34% | 0.06% | |
| AUM | $1.0B | $103.7B | |
| Dividend Yield | 2.89% | 3.31% | |
| Holdings | 887 | 104 | |
| YTD Return | +15.43% | +24.26% | |
| 1Y Return | +28.62% | +31.38% | |
| 3Y Return (annualized) | +16.04% | +15.08% | |
| 5Y Return (annualized) | +8.56% | +9.72% | |
| Volatility (annualized) | 15.9% | 13.6% | |
| Max Drawdown | -33.3% | -33.4% | |
| Fund Family | Invesco (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 24, 2021 | Oct 20, 2011 |
IMFL vs SCHD Performance
Invesco International Developed Dynamic Multifactor ETF (IMFL) is a ETF from Invesco (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IMFL returned +28.62% while SCHD returned +31.38%. Year to date, IMFL is up 15.43% versus a gain of 24.26% for SCHD.
Over three years, IMFL compounded at +16.04% per year against +15.08% for SCHD; over five years the annualized figures are +8.56% and +9.72% respectively. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +9.27%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IMFL has been the more volatile fund, with annualized monthly volatility of 15.9% 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 -33.3% for IMFL 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IMFL charges 0.34% per year while SCHD charges 0.06%. On a $10,000 position that is $34 vs $6 annually, a gap of $28 per year that compounds over a long holding period. On income, IMFL currently yields 2.89% against 3.31% for SCHD.
Holdings Overlap
IMFL and SCHD share 0 holdings out of 952 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, IMFL or SCHD?
IMFL has an expense ratio of 0.34% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $28 per year of difference.
Which performed better, IMFL or SCHD?
Over the past year IMFL returned +28.62% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), IMFL annualized +9.27% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, IMFL or SCHD?
IMFL has been the more volatile fund at 15.9% annualized versus 13.6% for SCHD. Worst drawdown: IMFL -33.3% vs SCHD -33.4%.
Should I hold both IMFL and SCHD?
IMFL and SCHD have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IMFL and SCHD?
IMFL and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 952 unique securities.
Which pays a higher dividend, IMFL or SCHD?
IMFL yields 2.89% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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