IRVH vs SCHD
Global X Interest Rate Volatility & Inflation Hedge 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 | IRVH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.06% | |
| AUM | $1M | $103.7B | |
| Dividend Yield | 5.60% | 3.31% | |
| Holdings | 45 | 104 | |
| YTD Return | -4.50% | +26.21% | |
| 1Y Return | -4.79% | +29.99% | |
| 3Y Return (annualized) | -0.04% | +15.73% | |
| 5Y Return (annualized) | - | +9.67% | |
| Volatility (annualized) | 8.1% | 13.6% | |
| Max Drawdown | -15.0% | -33.4% | |
| Fund Family | Global X by mirae Asset | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jul 5, 2022 | Oct 20, 2011 |
IRVH vs SCHD Performance
Global X Interest Rate Volatility & Inflation Hedge ETF (IRVH) is a ETF from Global X by mirae Asset and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IRVH returned -4.79% while SCHD returned +29.99%. Year to date, IRVH is down 4.50% versus a gain of 26.21% for SCHD.
Over three years, IRVH compounded at -0.04% per year against +15.73% for SCHD. Across the full 4-year window we track, SCHD has the edge at +11.50% annualized vs -2.19%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 8.1% for IRVH. 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 -15.0% for IRVH 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IRVH charges 0.45% per year while SCHD charges 0.06%. On a $10,000 position that is $45 vs $6 annually, a gap of $39 per year that compounds over a long holding period. On income, IRVH currently yields 5.60% against 3.31% for SCHD.
Holdings Overlap
IRVH and SCHD share 0 holdings out of 103 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, IRVH or SCHD?
IRVH has an expense ratio of 0.45% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $39 per year of difference.
Which performed better, IRVH or SCHD?
Over the past year IRVH returned -4.79% vs +29.99% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), IRVH annualized -2.19% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, IRVH or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.1% for IRVH. Worst drawdown: IRVH -15.0% vs SCHD -33.4%.
Should I hold both IRVH and SCHD?
IRVH and SCHD have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IRVH and SCHD?
IRVH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 103 unique securities.
Which pays a higher dividend, IRVH or SCHD?
IRVH yields 5.60% while SCHD yields 3.31%, so IRVH currently pays the higher dividend yield.
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