INTL vs SCHD
Main International ETF vs Schwab US Dividend Equity ETF
Which is better, INTL or SCHD?
Tactical Allocation against Large Cap Value.
SCHD has a lower expense ratio. INTL led over 3Y and the full window, SCHD over 1Y.
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 | INTL | SCHD |
|---|---|---|
| Expense Ratio | 0.84% | 0.06%Best |
| AUM | $244M | $112.1B |
| Dividend Yield | 3.30% | 3.00% |
| Holdings | 10 | 103 |
| YTD Return | +9.07% | +23.46%Best |
| 1Y Return | +10.92% | +27.20%Best |
| 3Y Return (annualized) | +15.86%Best | +15.41% |
| 5Y Return (annualized) | - | +10.16% |
| Volatility (annualized) | 13.2%Tie | 13.2%Tie |
| Max Drawdown | -14.5%Best | -16.1% |
| $10,000 over 3.8 years | $16,365Best | $14,675 |
| Top 10 Weight | - | 41.8% |
| Fund Family | Main Management ETF Advisors, LLC | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Tactical Allocation | Large Cap Value |
| Inception | Dec 1, 2022 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3.8 years row, are measured over the window both funds cover: Dec 2, 2022 to Sep 18, 2026 (3.8 years).
INTL 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 3.8 years both funds cover.
INTL vs SCHD Performance
Main International ETF (INTL) is an ETF from Main Management ETF Advisors, LLC and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year INTL returned +10.92% while SCHD returned +27.20%. Year to date, INTL is up 9.07% versus a gain of 23.46% for SCHD.
Over three years, INTL compounded at +15.86% per year against +15.41% for SCHD. Across the full 4-year window we track, INTL has the edge at +13.84% annualized vs +10.62%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
INTL and SCHD have been equally volatile, both at 13.2% annualized.
The deepest peak-to-trough decline in our data was -14.5% for INTL and -16.1% 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 0.64. They move together some of the time, and apart the rest.
Fees and Cost Over Time
INTL charges 0.84% per year while SCHD charges 0.06%. On a $10,000 position that is $84 vs $6 annually, a gap of $78 per year that compounds over a long holding period. On income, INTL currently yields 3.30% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 9 holdings in INTL and 100 in SCHD, totalling 100.0% 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 9 positions we hold weights for in INTL and 100 in SCHD, against full books of 10 and 103.
What only one of them owns
Measured across the 9 and 100 positions we hold weights for.
SCHD holds 99 positions INTL does not, 99.9% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
You are not choosing between two funds in isolation.
Whichever of INTL 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, INTL or SCHD?
INTL has an expense ratio of 0.84% while SCHD charges 0.06%. SCHD is the cheaper option, by $78 a year on a $10,000 investment.
Which performed better, INTL or SCHD?
Over the past year INTL returned +10.92% vs +27.20% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), INTL annualized +13.84% vs +10.62% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, INTL or SCHD?
INTL and SCHD have been equally volatile, both at 13.2% annualized. Worst drawdown: INTL -14.5% vs SCHD -16.1%.
Should I hold both INTL and SCHD?
INTL and SCHD have a monthly-return correlation of 0.64, 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, INTL or SCHD?
INTL yields 3.30% while SCHD yields 3.00%, so INTL currently pays the higher dividend yield.
Is SCHD better than INTL?
SCHD has a lower expense ratio. INTL led over 3Y and the full window, SCHD over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.