IUSG vs SCHD
iShares Core S&P US Growth ETF vs Schwab US Dividend Equity ETF
Which is better, IUSG or SCHD?
Large Cap Growth against Large Cap Value.
IUSG has a lower expense ratio. IUSG led over 3Y, 5Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 56.6%.
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 | IUSG | SCHD |
|---|---|---|
| Expense Ratio | 0.04%Best | 0.06% |
| AUM | $32.9B | $112.1B |
| Dividend Yield | 0.51% | 3.00% |
| Holdings | 400 | 103 |
| YTD Return | +13.32% | +25.07%Best |
| 1Y Return | +17.75% | +27.61%Best |
| 3Y Return (annualized) | +25.36%Best | +15.74% |
| 5Y Return (annualized) | +12.98%Best | +9.89% |
| Volatility (annualized) | 15.6% | 13.6%Best |
| Max Drawdown | -50.0% | -33.4%Best |
| $10,000 over 5 years | $18,408Best | $16,025 |
| Top 10 Weight | 56.6% | 41.8%Best |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Growth | Large Cap Value |
| Inception | Jul 24, 2000 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 11, 2026 (14.9 years).
IUSG 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 14.9 years both funds cover.
IUSG vs SCHD Performance
iShares Core S&P US Growth ETF (IUSG) 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 IUSG returned +17.75% while SCHD returned +27.61%. Year to date, IUSG is up 13.32% versus a gain of 25.07% for SCHD.
Over three years, IUSG compounded at +25.36% per year against +15.74% for SCHD; over five years the annualized figures are +12.98% and +9.89% respectively. Across the full 15-year window we track, IUSG has the edge at +15.59% annualized vs +11.36%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IUSG has been the more volatile fund, with annualized monthly volatility of 15.6% compared with 13.6% 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 -50.0% for IUSG 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IUSG charges 0.04% per year while SCHD charges 0.06%. On a $10,000 position that is $4 vs $6 annually, a gap of $2 per year that compounds over a long holding period. On income, IUSG currently yields 0.51% against 3.00% for SCHD.
Holdings Overlap
0.9% of IUSG's money is in holdings SCHD also owns. 11.2% of SCHD's money is in holdings IUSG also owns.
SCHD and IUSG share little of their money.
12 positions in common, counted across the 392 positions we hold weights for in IUSG and 100 in SCHD, against full books of 400 and 103.
What only one of them owns
Our book lists 87 positions for SCHD that do not appear in our book for IUSG (88.8% of the fund), and 358 for IUSG that do not appear in SCHD (98.8%).
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
| Stock | Weight in IUSG | Weight in SCHD | Difference |
|---|---|---|---|
| AMGNAmgen Inc. | 0.39% | 4.70% | 4.31% |
| KOCoca Cola Co. | 0.37% | 4.17% | 3.80% |
| CINFCincinnati Financial Corp. | 0.04% | 0.64% | 0.60% |
| EWBCEast West Bancorp, Inc. | 0.02% | 0.42% | 0.40% |
| AFGAmerican Financial Group Inc/Oh | 0.01% | 0.24% | 0.23% |
| ORIOld Republic International Corp | 0.01% | 0.23% | 0.22% |
| ALVAutoliv, Inc. Com | 0.01% | 0.20% | 0.19% |
| MSMMsc Industrial Direct Co Inc | 0.01% | 0.13% | 0.12% |
| NXSTNexstar Media Group Inc | 0.01% | 0.13% | 0.12% |
| MTNVail Resorts Inc. | 0.01% | 0.12% | 0.11% |
You are not choosing between two funds in isolation.
Whichever of IUSG 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, IUSG or SCHD?
IUSG has an expense ratio of 0.04% while SCHD charges 0.06%. IUSG is the cheaper option, by $2 a year on a $10,000 investment.
Which performed better, IUSG or SCHD?
Over the past year IUSG returned +17.75% vs +27.61% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), IUSG annualized +15.59% vs +11.36% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, IUSG or SCHD?
IUSG has been the more volatile fund at 15.6% annualized versus 13.6% for SCHD. Worst drawdown: IUSG -50.0% vs SCHD -33.4%.
Should I hold both IUSG and SCHD?
IUSG and SCHD have a monthly-return correlation of 0.71, 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 IUSG and SCHD?
11.2% of SCHD's money is in holdings IUSG also owns. 11.2% of SCHD's is in holdings IUSG also owns. They hold 12 positions in common, counted across the 392 positions we hold weights for in IUSG and 100 in SCHD.
Which pays a higher dividend, IUSG or SCHD?
IUSG yields 0.51% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than IUSG?
IUSG has a lower expense ratio. IUSG led over 3Y, 5Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 56.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.