IMTM vs SCHD
iShares MSCI Intl Momentum Factor ETF vs Schwab US Dividend Equity ETF
Which is better, IMTM or SCHD?
Large Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. IMTM led over 3Y and 5Y, SCHD over 1Y and the full window. IMTM is less concentrated, with 22.6% 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 | IMTM | SCHD |
|---|---|---|
| Expense Ratio | 0.30% | 0.06%Best |
| AUM | $4.2B | $112.1B |
| Dividend Yield | 4.37% | 3.00% |
| Holdings | 325 | 103 |
| YTD Return | +11.67% | +24.96%Best |
| 1Y Return | +19.74% | +28.75%Best |
| 3Y Return (annualized) | +22.08%Best | +15.71% |
| 5Y Return (annualized) | +10.00%Best | +9.86% |
| Volatility (annualized) | 13.8%Best | 14.8% |
| Max Drawdown | -30.7%Best | -33.4% |
| $10,000 over 5 years | $16,105Best | $16,003 |
| Top 10 Weight | 22.6%Best | 41.8% |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Value |
| Inception | Jan 13, 2015 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Jan 26, 2015 to Sep 9, 2026 (11.6 years).
IMTM 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 11.6 years both funds cover.
IMTM vs SCHD Performance
iShares MSCI Intl Momentum Factor ETF (IMTM) 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 IMTM returned +19.74% while SCHD returned +28.75%. Year to date, IMTM is up 11.67% versus a gain of 24.96% for SCHD.
Over three years, IMTM compounded at +22.08% per year against +15.71% for SCHD; over five years the annualized figures are +10.00% and +9.86% respectively. Across the full 12-year window we track, SCHD has the edge at +10.23% annualized vs +8.10%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.8% compared with 13.8% for IMTM. 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 -30.7% for IMTM 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IMTM charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, IMTM currently yields 4.37% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 301 holdings in IMTM and 100 in SCHD, totalling 99.4% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 301 positions we hold weights for in IMTM and 100 in SCHD, against full books of 325 and 103.
What only one of them owns
Our book lists 99 positions for SCHD that do not appear in our book for IMTM (99.9% of the fund), and 9 for IMTM that do not appear in SCHD (5.6%).
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.
You are not choosing between two funds in isolation.
Whichever of IMTM 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, IMTM or SCHD?
IMTM has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option, by $24 a year on a $10,000 investment.
Which performed better, IMTM or SCHD?
Over the past year IMTM returned +19.74% vs +28.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (12 years), IMTM annualized +8.10% vs +10.23% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IMTM or SCHD?
SCHD has been the more volatile fund at 14.8% annualized versus 13.8% for IMTM. Worst drawdown: IMTM -30.7% vs SCHD -33.4%.
Should I hold both IMTM and SCHD?
IMTM and SCHD have a monthly-return correlation of 0.74, 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, IMTM or SCHD?
IMTM yields 4.37% while SCHD yields 3.00%, so IMTM currently pays the higher dividend yield.
Is SCHD better than IMTM?
SCHD has a lower expense ratio. IMTM led over 3Y and 5Y, SCHD over 1Y and the full window. IMTM is less concentrated, with 22.6% 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.