INDY vs SCHD
iShares India 50 ETF vs Schwab US Dividend Equity ETF
Which is better, INDY or SCHD?
Large Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 53.6%.
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 | INDY | SCHD |
|---|---|---|
| Expense Ratio | 0.65% | 0.06%Best |
| AUM | $554M | $112.1B |
| Dividend Yield | 9.38% | 3.00% |
| Holdings | 55 | 103 |
| YTD Return | -15.41% | +24.04%Best |
| 1Y Return | -13.72% | +27.95%Best |
| 3Y Return (annualized) | -0.58% | +15.51%Best |
| 5Y Return (annualized) | -0.66% | +9.80%Best |
| Volatility (annualized) | 19.8% | 13.6%Best |
| Max Drawdown | -43.6% | -33.4%Best |
| $10,000 over 5 years | $9,674 | $15,959Best |
| Top 10 Weight | 53.6% | 41.8%Best |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Value |
| Inception | Nov 18, 2009 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 16, 2026 (14.9 years).
INDY 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 14.9 years both funds cover.
INDY vs SCHD Performance
iShares India 50 ETF (INDY) 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 INDY returned -13.72% while SCHD returned +27.95%. Year to date, INDY is down 15.41% versus a gain of 24.04% for SCHD.
Over three years, INDY compounded at -0.58% per year against +15.51% for SCHD; over five years the annualized figures are -0.66% and +9.80% respectively. Across the full 15-year window we track, SCHD has the edge at +11.29% annualized vs +5.36%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
INDY has been the more volatile fund, with annualized monthly volatility of 19.8% 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 -43.6% for INDY 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 0.46. They move together some of the time, and apart the rest.
Fees and Cost Over Time
INDY charges 0.65% per year while SCHD charges 0.06%. On a $10,000 position that is $65 vs $6 annually, a gap of $59 per year that compounds over a long holding period. On income, INDY currently yields 9.38% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 51 holdings in INDY and 100 in SCHD, totalling 103.1% 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 51 positions we hold weights for in INDY and 100 in SCHD, against full books of 55 and 103.
What only one of them owns
Our book lists 99 positions for SCHD that do not appear in our book for INDY (99.9% of the fund), and 1 for INDY that do not appear in SCHD (3.8%).
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 INDY 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, INDY or SCHD?
INDY has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option, by $59 a year on a $10,000 investment.
Which performed better, INDY or SCHD?
Over the past year INDY returned -13.72% vs +27.95% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), INDY annualized +5.36% vs +11.29% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, INDY or SCHD?
INDY has been the more volatile fund at 19.8% annualized versus 13.6% for SCHD. Worst drawdown: INDY -43.6% vs SCHD -33.4%.
Should I hold both INDY and SCHD?
INDY and SCHD have a monthly-return correlation of 0.46, 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, INDY or SCHD?
INDY yields 9.38% while SCHD yields 3.00%, so INDY currently pays the higher dividend yield.
Is SCHD better than INDY?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 53.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.