ISVL vs SCHD
iShares International Developed Small Cap Value Factor ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. ISVL offers more diversification with 538 holdings.
Side-by-Side Comparison
| Metric | ISVL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.31% | 0.06% | |
| AUM | $335M | $108.7B | |
| Dividend Yield | 3.06% | 3.13% | |
| Holdings | 538 | 104 | |
| YTD Return | +12.88% | +28.63% | |
| 1Y Return | +25.02% | +32.53% | |
| 3Y Return (annualized) | +23.79% | +16.97% | |
| 5Y Return (annualized) | +11.86% | +10.47% | |
| Volatility (annualized) | 16.5% | 13.7% | |
| Max Drawdown | -30.5% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Mar 23, 2021 | Oct 20, 2011 |
ISVL vs SCHD Performance
iShares International Developed Small Cap Value Factor ETF (ISVL) 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 ISVL returned +25.02% while SCHD returned +32.53%. Year to date, ISVL is up 12.88% versus a gain of 28.63% for SCHD.
Over three years, ISVL compounded at +23.79% per year against +16.97% for SCHD; over five years the annualized figures are +11.86% and +10.47% respectively. Across the full 5-year window we track, ISVL has the edge at +12.07% annualized vs +11.63%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ISVL has been the more volatile fund, with annualized monthly volatility of 16.5% compared with 13.7% 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 -30.5% for ISVL 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ISVL charges 0.31% per year while SCHD charges 0.06%. On a $10,000 position that is $31 vs $6 annually, a gap of $25 per year that compounds over a long holding period. On income, ISVL currently yields 3.06% against 3.13% for SCHD.
Holdings Overlap
ISVL and SCHD share 0 holdings out of 609 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, ISVL or SCHD?
ISVL has an expense ratio of 0.31% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $25 per year of difference.
Which performed better, ISVL or SCHD?
Over the past year ISVL returned +25.02% vs +32.53% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), ISVL annualized +12.07% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, ISVL or SCHD?
ISVL has been the more volatile fund at 16.5% annualized versus 13.7% for SCHD. Worst drawdown: ISVL -30.5% vs SCHD -33.4%.
Should I hold both ISVL and SCHD?
ISVL and SCHD have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ISVL and SCHD?
ISVL and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 609 unique securities.
Which pays a higher dividend, ISVL or SCHD?
ISVL yields 3.06% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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