INDF vs SCHD
INDF vs SCHD
Range India Financials ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | INDF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.75% | 0.06% | |
| AUM | $9M | $103.7B | |
| Dividend Yield | 5.62% | 3.31% | |
| Holdings | 21 | 104 | |
| YTD Return | -12.12% | +24.26% | |
| 1Y Return | -20.35% | +31.38% | |
| 3Y Return (annualized) | +2.45% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 20.3% | 13.6% | |
| Max Drawdown | -25.6% | -33.4% | |
| Fund Family | NextFins LLC | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2020 | Oct 20, 2011 |
INDF vs SCHD Performance
Range India Financials ETF (INDF) is a ETF from NextFins LLC and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year INDF returned -20.35% while SCHD returned +31.38%. Year to date, INDF is down 12.12% versus a gain of 24.26% for SCHD.
Over three years, INDF compounded at +2.45% per year against +15.08% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +7.30%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
INDF has been the more volatile fund, with annualized monthly volatility of 20.3% 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 -25.6% for INDF 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 0.40. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
INDF charges 0.75% per year while SCHD charges 0.06%. On a $10,000 position that is $75 vs $6 annually, a gap of $69 per year that compounds over a long holding period. On income, INDF currently yields 5.62% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, INDF or SCHD?
INDF has an expense ratio of 0.75% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, INDF or SCHD?
Over the past year INDF returned -20.35% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), INDF annualized +7.30% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, INDF or SCHD?
INDF has been the more volatile fund at 20.3% annualized versus 13.6% for SCHD. Worst drawdown: INDF -25.6% vs SCHD -33.4%.
Should I hold both INDF and SCHD?
INDF and SCHD have a monthly-return correlation of 0.40, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, INDF or SCHD?
INDF yields 5.62% while SCHD yields 3.31%, so INDF currently pays the higher dividend yield.
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