ITDJ vs SCHD
iShares LifePath Target Date 2070 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 | ITDJ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.06% | |
| AUM | $15M | $103.7B | |
| Dividend Yield | 1.25% | 3.31% | |
| Holdings | 8 | 104 | |
| YTD Return | +14.43% | +24.26% | |
| 1Y Return | +25.48% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 11.8% | 13.6% | |
| Max Drawdown | -16.6% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 12, 2024 | Oct 20, 2011 |
ITDJ vs SCHD Performance
iShares LifePath Target Date 2070 ETF (ITDJ) 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 ITDJ returned +25.48% while SCHD returned +31.38%. Year to date, ITDJ is up 14.43% 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 11.8% for ITDJ. 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 -16.6% for ITDJ 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 0.45. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ITDJ charges 0.12% per year while SCHD charges 0.06%. On a $10,000 position that is $12 vs $6 annually, a gap of $6 per year that compounds over a long holding period. On income, ITDJ currently yields 1.25% against 3.31% for SCHD.
Holdings Overlap
ITDJ and SCHD share 0 holdings out of 107 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, ITDJ or SCHD?
ITDJ has an expense ratio of 0.12% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, ITDJ or SCHD?
Over the past year ITDJ returned +25.48% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), ITDJ annualized +20.48% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, ITDJ or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.8% for ITDJ. Worst drawdown: ITDJ -16.6% vs SCHD -33.4%.
Should I hold both ITDJ and SCHD?
ITDJ and SCHD have a monthly-return correlation of 0.45, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ITDJ and SCHD?
ITDJ and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 107 unique securities.
Which pays a higher dividend, ITDJ or SCHD?
ITDJ yields 1.25% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.