INFR vs SCHD

INFR vs SCHD

Which is better, INFR or SCHD?

SCHD has been ahead.

SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 45.6%.

Lower Fees: SCHDHigher Returns: SCHDLess Concentrated: SCHD

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

MetricINFRSCHD
Expense Ratio0.59%0.06%Best
AUM$12M$112.2B
Dividend Yield2.52%3.13%
Holdings32103
Volatility (annualized)16.4%15.5%Best
Max Drawdown-35.8%-33.4%Best
$10,000 over 9.1 years$13,712$24,043Best
Top 10 Weight45.6%41.5%Best
Fund FamilyFranklin Templeton Investments (US)Charles Schwab Asset Management
CategoryEquityEquity
StyleLarge Cap ValueLarge Cap Value
InceptionDec 29, 2016Oct 20, 2011

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).

The two price series end 225 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. INFR has data through Jan 22, 2026 and SCHD through Sep 4, 2026.

Volatility and max drawdown, and the $10,000 over 9.1 years row, are measured over the window both funds cover: Dec 30, 2016 to Jan 22, 2026 (9.1 years).

Risk: Volatility and Drawdowns

INFR has been the more volatile fund, with annualized monthly volatility of 16.4% compared with 15.5% 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 -35.8% for INFR 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 0.60. They move together some of the time, and apart the rest.

Fees and Cost Over Time

INFR charges 0.59% per year while SCHD charges 0.06%. On a $10,000 position that is $59 vs $6 annually, a gap of $53 per year that compounds over a long holding period. On income, INFR currently yields 2.52% against 3.13% for SCHD.

Holdings Overlap

INFR already in SCHD3.4%
SCHD already in INFR0.1%

3.4% of INFR's money is in holdings SCHD also owns. 0.1% of SCHD's money is in holdings INFR also owns.

INFR and SCHD share little of their money.

The two holdings books were reported 252 days apart, INFR as of Nov 28, 2025 and SCHD as of Aug 7, 2026, so some of the difference between them is the time between the two reports rather than the funds.

1 positions in common, counted across the 30 positions we hold weights for in INFR and 100 in SCHD, against full books of 32 and 103.

What only one of them owns

Our book lists 98 positions for SCHD that do not appear in our book for INFR (99.8% of the fund), and 7 for INFR that do not appear in SCHD (20.6%).

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.

Top Shared Holdings

StockWeight in INFRWeight in SCHDDifference
CWENClearway Energy, Inc., Class C3.42%0.10%3.32%

You are not choosing between two funds in isolation.

Whichever of INFR and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.

INFRSCHD

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, INFR or SCHD?

INFR has an expense ratio of 0.59% while SCHD charges 0.06%. SCHD is the cheaper option, by $53 a year on a $10,000 investment.

Which is riskier, INFR or SCHD?

INFR has been the more volatile fund at 16.4% annualized versus 15.5% for SCHD. Worst drawdown: INFR -35.8% vs SCHD -33.4%.

Should I hold both INFR and SCHD?

INFR and SCHD have a monthly-return correlation of 0.60, 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 INFR and SCHD?

3.4% of INFR's money is in holdings SCHD also owns. 0.1% of SCHD's is in holdings INFR also owns. They hold 1 positions in common, counted across the 30 positions we hold weights for in INFR and 100 in SCHD.

Which pays a higher dividend, INFR or SCHD?

INFR yields 2.52% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.

Is SCHD better than INFR?

SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 45.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.