ITOT vs SCHD

ITOT vs SCHD

Which is better, ITOT or SCHD?

Large Cap Blend against Large Cap Value.

ITOT has a lower expense ratio. ITOT led over 3Y, 5Y and the full window, SCHD over 1Y. ITOT is less concentrated, with 34.6% of the fund in its ten largest positions against 41.6%.

Lower Fees: ITOTHigher Returns: splitLess Concentrated: ITOT

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

MetricITOTSCHD
Expense Ratio0.03%Best0.06%
AUM$97.9B$111.6B
Dividend Yield1.01%3.24%
Holdings2,502206
YTD Return+12.98%+33.79%Best
1Y Return+14.83%+41.75%Best
3Y Return (annualized)+22.07%Best+20.15%
5Y Return (annualized)+10.85%Best+10.62%
Volatility (annualized)14.2%13.8%Best
Max Drawdown-49.9%-33.4%Best
$10,000 over 5 years$16,737Best$16,564
Top 10 Weight34.6%Best41.6%
Fund FamilyiShares by BlackRock (US)Charles Schwab Asset Management
CategoryEquityEquity
StyleLarge Cap BlendLarge Cap Value
InceptionJan 20, 2004Oct 20, 2011

Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Nov 4, 2026 (15 years).

ITOT 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 15 years both funds cover.

ITOT vs SCHD Performance

iShares Core S&P Total US Stock Market ETF (ITOT) 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 ITOT returned +14.83% while SCHD returned +41.75%. Year to date, ITOT is up 12.98% versus a gain of 33.79% for SCHD.

Over three years, ITOT compounded at +22.07% per year against +20.15% for SCHD; over five years the annualized figures are +10.85% and +10.62% respectively. Across the full 15-year window we track, ITOT has the edge at +13.32% annualized vs +11.75%.

Past performance does not guarantee future results.

Risk: Volatility and Drawdowns

ITOT has been the more volatile fund, with annualized monthly volatility of 14.2% compared with 13.8% 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 -49.9% for ITOT and -33.4% 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 0.83. They usually move together, but the gap leaves some room for diversification.

Fees and Cost Over Time

ITOT charges 0.03% per year while SCHD charges 0.06%. On a $10,000 position that is $3 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, ITOT currently yields 1.01% against 3.24% for SCHD.

Holdings Overlap

ITOT already in SCHD7.0%
SCHD already in ITOT99.7%

7.0% of ITOT's money is in holdings SCHD also owns. 99.7% of SCHD's money is in holdings ITOT also owns.

Most of SCHD is already inside ITOT. Owning both mostly buys the same companies twice.

95 positions in common, counted across the 2,433 positions we hold weights for in ITOT and 98 in SCHD, against full books of 2,502 and 206.

What only one of them owns

Our book lists 3 positions for SCHD that do not appear in our book for ITOT (0.1% of the fund), and 1,075 for ITOT that do not appear in SCHD (90.6%).

Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.

Top Shared Holdings

StockWeight in ITOTWeight in SCHDDifference
TXNTexas Instrument Inc0.35%4.89%4.54%
QCOMQualcomm Inc.0.26%4.61%4.35%
CVXChevron Corp0.55%4.14%3.59%
PGProcter & Gamble Company0.45%4.16%3.71%
KOCoca Cola Co.0.45%4.12%3.67%
MRKMerck & Company Inc0.48%4.04%3.56%
UNHUnitedhealth Group Incorporated0.44%3.95%3.51%
AMGNAmgen Inc.0.30%3.86%3.56%
HDHome Depot Inc/The0.38%3.77%3.39%
VZVerizon Communic0.26%3.88%3.62%

99.7% of SCHD is already inside ITOT.

You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.

ITOTSCHD

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, ITOT or SCHD?

ITOT has an expense ratio of 0.03% while SCHD charges 0.06%. ITOT is the cheaper option, by $3 a year on a $10,000 investment.

Which performed better, ITOT or SCHD?

Over the past year ITOT returned +14.83% vs +41.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), ITOT annualized +13.32% vs +11.75% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.

Which is riskier, ITOT or SCHD?

ITOT has been the more volatile fund at 14.2% annualized versus 13.8% for SCHD. Worst drawdown: ITOT -49.9% vs SCHD -33.4%.

Should I hold both ITOT and SCHD?

ITOT and SCHD have a monthly-return correlation of 0.83, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

What is the holdings overlap between ITOT and SCHD?

99.7% of SCHD's money is in holdings ITOT also owns. 99.7% of SCHD's is in holdings ITOT also owns. They hold 95 positions in common, counted across the 2,433 positions we hold weights for in ITOT and 98 in SCHD.

Which pays a higher dividend, ITOT or SCHD?

ITOT yields 1.01% while SCHD yields 3.24%, so SCHD currently pays the higher dividend yield.

Is SCHD better than ITOT?

ITOT has a lower expense ratio. ITOT led over 3Y, 5Y and the full window, SCHD over 1Y. ITOT is less concentrated, with 34.6% of the fund in its ten largest positions against 41.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.