INDY vs SCHD
iShares India 50 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 | INDY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.06% | |
| AUM | $554M | $103.7B | |
| Dividend Yield | 9.43% | 3.31% | |
| Holdings | 55 | 104 | |
| YTD Return | -10.30% | +24.26% | |
| 1Y Return | -6.85% | +31.38% | |
| 3Y Return (annualized) | +2.13% | +15.08% | |
| 5Y Return (annualized) | +2.26% | +9.72% | |
| Volatility (annualized) | 20.6% | 13.6% | |
| Max Drawdown | -45.5% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 18, 2009 | Oct 20, 2011 |
INDY vs SCHD Performance
iShares India 50 ETF (INDY) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year INDY returned -6.85% while SCHD returned +31.38%. Year to date, INDY is down 10.30% versus a gain of 24.26% for SCHD.
Over three years, INDY compounded at +2.13% per year against +15.08% for SCHD; over five years the annualized figures are +2.26% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +4.73%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
INDY has been the more volatile fund, with annualized monthly volatility of 20.6% 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 -45.5% for INDY 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
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 9.43% against 3.31% for SCHD.
Holdings Overlap
INDY and SCHD share 0 holdings out of 151 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, INDY or SCHD?
INDY has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, INDY or SCHD?
Over the past year INDY returned -6.85% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), INDY annualized +4.73% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, INDY or SCHD?
INDY has been the more volatile fund at 20.6% annualized versus 13.6% for SCHD. Worst drawdown: INDY -45.5% vs SCHD -33.4%.
Should I hold both INDY and SCHD?
INDY and SCHD have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INDY and SCHD?
INDY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 151 unique securities.
Which pays a higher dividend, INDY or SCHD?
INDY yields 9.43% while SCHD yields 3.31%, so INDY currently pays the higher dividend yield.
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