ITDF vs SCHD
ITDF vs SCHD
iShares LifePath Target Date 2050 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 | ITDF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.11% | 0.06% | |
| AUM | $83M | $103.7B | |
| Dividend Yield | 1.48% | 3.31% | |
| Holdings | 11 | 104 | |
| YTD Return | +13.65% | +24.26% | |
| 1Y Return | +24.07% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 11.3% | 13.6% | |
| Max Drawdown | -15.7% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 17, 2023 | Oct 20, 2011 |
ITDF vs SCHD Performance
iShares LifePath Target Date 2050 ETF (ITDF) 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 ITDF returned +24.07% while SCHD returned +31.38%. Year to date, ITDF is up 13.65% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.3% for ITDF. 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 -15.7% for ITDF 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ITDF charges 0.11% per year while SCHD charges 0.06%. On a $10,000 position that is $11 vs $6 annually, a gap of $5 per year that compounds over a long holding period. On income, ITDF currently yields 1.48% against 3.31% for SCHD.
Holdings Overlap
ITDF and SCHD share 0 holdings out of 112 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, ITDF or SCHD?
ITDF has an expense ratio of 0.11% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, ITDF or SCHD?
Over the past year ITDF returned +24.07% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), ITDF annualized +23.64% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, ITDF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.3% for ITDF. Worst drawdown: ITDF -15.7% vs SCHD -33.4%.
Should I hold both ITDF and SCHD?
ITDF and SCHD have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ITDF and SCHD?
ITDF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 112 unique securities.
Which pays a higher dividend, ITDF or SCHD?
ITDF yields 1.48% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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