IMFL vs SCHD
Invesco International Developed Dynamic Multifactor ETF vs Schwab US Dividend Equity ETF
Which is better, IMFL or SCHD?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. IMFL is less concentrated, with 25.7% of the fund in its ten largest positions against 41.8%.
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 | IMFL | SCHD |
|---|---|---|
| Expense Ratio | 0.34% | 0.06%Best |
| AUM | $1.1B | $112.1B |
| Dividend Yield | 2.91% | 3.00% |
| Holdings | 884 | 103 |
| YTD Return | +13.14% | +23.46%Best |
| 1Y Return | +23.53% | +27.20%Best |
| 3Y Return (annualized) | +14.88% | +15.41%Best |
| 5Y Return (annualized) | +8.27% | +10.16%Best |
| Volatility (annualized) | 15.8% | 14.7%Best |
| Max Drawdown | -33.3% | -16.9%Best |
| $10,000 over 5 years | $14,878 | $16,223Best |
| Top 10 Weight | 25.7%Best | 41.8% |
| Fund Family | Invesco (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Value |
| Inception | Feb 24, 2021 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Feb 24, 2021 to Sep 18, 2026 (5.6 years).
IMFL 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 covers the 5.6 years both funds cover.
IMFL vs SCHD Performance
Invesco International Developed Dynamic Multifactor ETF (IMFL) is an ETF from Invesco (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year IMFL returned +23.53% while SCHD returned +27.20%. Year to date, IMFL is up 13.14% versus a gain of 23.46% for SCHD.
Over three years, IMFL compounded at +14.88% per year against +15.41% for SCHD; over five years the annualized figures are +8.27% and +10.16% respectively. Across the full 6-year window we track, SCHD has the edge at +10.67% annualized vs +8.68%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IMFL has been the more volatile fund, with annualized monthly volatility of 15.8% compared with 14.7% 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 -16.9% 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 0.71. 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 2.91% against 3.00% for SCHD.
Holdings Overlap
4.8% of SCHD's money is in holdings IMFL also owns.
SCHD and IMFL share little of their money.
1 positions in common, counted across the 754 positions we hold weights for in IMFL and 100 in SCHD, against full books of 884 and 103.
What only one of them owns
Our book lists 98 positions for SCHD that do not appear in our book for IMFL (95.2% of the fund), and 19 for IMFL that do not appear in SCHD (10.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in IMFL | Weight in SCHD | Difference |
|---|---|---|---|
| MRKMerck & Company Inc | 0.04% | 4.77% | 4.73% |
You are not choosing between two funds in isolation.
Whichever of IMFL 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, IMFL or SCHD?
IMFL has an expense ratio of 0.34% while SCHD charges 0.06%. SCHD is the cheaper option, by $28 a year on a $10,000 investment.
Which performed better, IMFL or SCHD?
Over the past year IMFL returned +23.53% vs +27.20% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), IMFL annualized +8.68% vs +10.67% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IMFL or SCHD?
IMFL has been the more volatile fund at 15.8% annualized versus 14.7% for SCHD. Worst drawdown: IMFL -33.3% vs SCHD -16.9%.
Should I hold both IMFL and SCHD?
IMFL and SCHD have a monthly-return correlation of 0.71, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between IMFL and SCHD?
4.8% of SCHD's money is in holdings IMFL also owns. 4.8% of SCHD's is in holdings IMFL also owns. They hold 1 positions in common, counted across the 754 positions we hold weights for in IMFL and 100 in SCHD.
Which pays a higher dividend, IMFL or SCHD?
IMFL yields 2.91% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than IMFL?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. IMFL is less concentrated, with 25.7% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.