ISCB vs SCHD
ISCB vs SCHD
iShares Morningstar Small-Cap ETF vs Schwab US Dividend Equity ETF
Quick Verdict
ISCB has a lower expense ratio. ISCB delivered stronger 1-year returns. ISCB offers more diversification with 1305 holdings.
Side-by-Side Comparison
| Metric | ISCB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.06% | |
| AUM | $283M | $103.7B | |
| Dividend Yield | 1.26% | 3.31% | |
| Holdings | 1,587 | 104 | |
| YTD Return | +17.70% | +24.26% | |
| 1Y Return | +31.65% | +31.38% | |
| 3Y Return (annualized) | +16.22% | +15.08% | |
| 5Y Return (annualized) | +7.76% | +9.72% | |
| Volatility (annualized) | 19.7% | 13.6% | |
| Max Drawdown | -61.9% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 28, 2004 | Oct 20, 2011 |
ISCB vs SCHD Performance
iShares Morningstar Small-Cap ETF (ISCB) 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 ISCB returned +31.65% while SCHD returned +31.38%. Year to date, ISCB is up 17.70% versus a gain of 24.26% for SCHD.
Over three years, ISCB compounded at +16.22% per year against +15.08% for SCHD; over five years the annualized figures are +7.76% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +8.05%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ISCB has been the more volatile fund, with annualized monthly volatility of 19.7% 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 -61.9% for ISCB 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ISCB charges 0.04% per year while SCHD charges 0.06%. On a $10,000 position that is $4 vs $6 annually, a gap of $2 per year that compounds over a long holding period. On income, ISCB currently yields 1.26% against 3.31% for SCHD.
Holdings Overlap
ISCB and SCHD share 34 holdings out of 1371 unique holdings combined, representing a 2.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in ISCB | Weight in SCHD | Difference |
|---|---|---|---|
| BBY | 0.24% | 0.43% | 0.19% |
| DINO | 0.17% | 0.36% | 0.19% |
| APA | 0.17% | 0.33% | 0.16% |
| AFG | Pro | Pro | Pro |
| COLB | Pro | Pro | Pro |
| SWKS | Pro | Pro | Pro |
| ORI | Pro | Pro | Pro |
| ALV | Pro | Pro | Pro |
| BAH | Pro | Pro | Pro |
| M | Pro | Pro | Pro |
See all 10 holdings ISCB shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, ISCB or SCHD?
ISCB has an expense ratio of 0.04% while SCHD charges 0.06%. ISCB is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, ISCB or SCHD?
Over the past year ISCB returned +31.65% vs +31.38% for SCHD, so ISCB leads on 1-year performance. Over the longest common window we track (15 years), ISCB annualized +8.05% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, ISCB or SCHD?
ISCB has been the more volatile fund at 19.7% annualized versus 13.6% for SCHD. Worst drawdown: ISCB -61.9% vs SCHD -33.4%.
Should I hold both ISCB and SCHD?
ISCB and SCHD have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ISCB and SCHD?
ISCB and SCHD share 34 common holdings with a 2.6% weight overlap. Combined, they hold 1371 unique securities.
Which pays a higher dividend, ISCB or SCHD?
ISCB yields 1.26% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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