INTF vs SCHD
INTF vs SCHD
iShares International Equity Factor ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. INTF offers more diversification with 477 holdings.
Side-by-Side Comparison
| Metric | INTF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.16% | 0.06% | |
| AUM | $3.6B | $103.7B | |
| Dividend Yield | 3.04% | 3.31% | |
| Holdings | 506 | 104 | |
| YTD Return | +14.85% | +24.26% | |
| 1Y Return | +28.06% | +31.38% | |
| 3Y Return (annualized) | +20.76% | +15.08% | |
| 5Y Return (annualized) | +11.22% | +9.72% | |
| Volatility (annualized) | 15.1% | 13.6% | |
| Max Drawdown | -43.9% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 28, 2015 | Oct 20, 2011 |
INTF vs SCHD Performance
iShares International Equity Factor ETF (INTF) 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 INTF returned +28.06% while SCHD returned +31.38%. Year to date, INTF is up 14.85% versus a gain of 24.26% for SCHD.
Over three years, INTF compounded at +20.76% per year against +15.08% for SCHD; over five years the annualized figures are +11.22% and +9.72% respectively. Across the full 11-year window we track, SCHD has the edge at +11.39% annualized vs +6.80%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
INTF has been the more volatile fund, with annualized monthly volatility of 15.1% 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 -43.9% for INTF 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
INTF charges 0.16% per year while SCHD charges 0.06%. On a $10,000 position that is $16 vs $6 annually, a gap of $10 per year that compounds over a long holding period. On income, INTF currently yields 3.04% against 3.31% for SCHD.
Holdings Overlap
INTF and SCHD share 0 holdings out of 577 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, INTF or SCHD?
INTF has an expense ratio of 0.16% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $10 per year of difference.
Which performed better, INTF or SCHD?
Over the past year INTF returned +28.06% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (11 years), INTF annualized +6.80% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, INTF or SCHD?
INTF has been the more volatile fund at 15.1% annualized versus 13.6% for SCHD. Worst drawdown: INTF -43.9% vs SCHD -33.4%.
Should I hold both INTF and SCHD?
INTF and SCHD have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INTF and SCHD?
INTF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 577 unique securities.
Which pays a higher dividend, INTF or SCHD?
INTF yields 3.04% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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