ITDB vs SCHD
iShares LifePath Target Date 2030 ETF vs Schwab US Dividend Equity ETF
Which is better, ITDB or SCHD?
Target Date against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 95.8%.
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 | ITDB | SCHD |
|---|---|---|
| Expense Ratio | 0.09% | 0.06%Best |
| AUM | $82M | $112.1B |
| Dividend Yield | 1.91% | 3.00% |
| Holdings | 15 | 103 |
| YTD Return | +6.20% | +25.07%Best |
| 1Y Return | +9.06% | +27.61%Best |
| 3Y Return (annualized) | +14.91% | +15.74%Best |
| 5Y Return (annualized) | - | +9.89% |
| Volatility (annualized) | 7.9%Best | 13.0% |
| Max Drawdown | -8.4%Best | -16.1% |
| $10,000 over 2.9 years | $14,964 | $16,200Best |
| Top 10 Weight | 95.8% | 41.8%Best |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Target Date | Large Cap Value |
| Inception | Oct 17, 2023 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 2.9 years row, are measured over the window both funds cover: Oct 19, 2023 to Sep 11, 2026 (2.9 years).
ITDB 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 2.9 years both funds cover.
ITDB vs SCHD Performance
iShares LifePath Target Date 2030 ETF (ITDB) is an ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year ITDB returned +9.06% while SCHD returned +27.61%. Year to date, ITDB is up 6.20% versus a gain of 25.07% for SCHD.
Over three years, ITDB compounded at +14.91% per year against +15.74% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.0% compared with 7.9% for ITDB. 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 -8.4% for ITDB 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
ITDB charges 0.09% per year while SCHD charges 0.06%. On a $10,000 position that is $9 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, ITDB currently yields 1.91% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 14 holdings in ITDB 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 14 positions we hold weights for in ITDB and 100 in SCHD, against full books of 15 and 103.
What only one of them owns
Measured across the 14 and 100 positions we hold weights for.
SCHD holds 99 positions ITDB 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 ITDB 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, ITDB or SCHD?
ITDB has an expense ratio of 0.09% while SCHD charges 0.06%. SCHD is the cheaper option, by $3 a year on a $10,000 investment.
Which performed better, ITDB or SCHD?
Over the past year ITDB returned +9.06% vs +27.61% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ITDB or SCHD?
SCHD has been the more volatile fund at 13.0% annualized versus 7.9% for ITDB. Worst drawdown: ITDB -8.4% vs SCHD -16.1%.
Should I hold both ITDB and SCHD?
ITDB 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, ITDB or SCHD?
ITDB yields 1.91% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than ITDB?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 95.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.