IVLU vs SCHD
iShares MSCI Intl Value Factor ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. IVLU delivered stronger 1-year returns. IVLU offers more diversification with 344 holdings.
Side-by-Side Comparison
| Metric | IVLU | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.31% | 0.06% | |
| AUM | $4.4B | $103.7B | |
| Dividend Yield | 3.36% | 3.31% | |
| Holdings | 368 | 104 | |
| YTD Return | +16.44% | +25.62% | |
| 1Y Return | +32.97% | +32.62% | |
| 3Y Return (annualized) | +24.96% | +15.58% | |
| 5Y Return (annualized) | +15.41% | +9.63% | |
| Volatility (annualized) | 16.2% | 13.6% | |
| Max Drawdown | -45.4% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 16, 2015 | Oct 20, 2011 |
IVLU vs SCHD Performance
iShares MSCI Intl Value Factor ETF (IVLU) 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 IVLU returned +32.97% while SCHD returned +32.62%. Year to date, IVLU is up 16.44% versus a gain of 25.62% for SCHD.
Over three years, IVLU compounded at +24.96% per year against +15.58% for SCHD; over five years the annualized figures are +15.41% and +9.63% respectively. Across the full 11-year window we track, SCHD has the edge at +11.47% annualized vs +7.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IVLU has been the more volatile fund, with annualized monthly volatility of 16.2% 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 -45.4% for IVLU 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVLU charges 0.31% per year while SCHD charges 0.06%. On a $10,000 position that is $31 vs $6 annually, a gap of $25 per year that compounds over a long holding period. On income, IVLU currently yields 3.36% against 3.31% for SCHD.
Holdings Overlap
IVLU and SCHD share 1 holdings out of 443 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVLU | Weight in SCHD | Difference |
|---|---|---|---|
| MRK | 0.19% | 4.32% | 4.13% |
Frequently Asked Questions
Which is cheaper, IVLU or SCHD?
IVLU has an expense ratio of 0.31% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $25 per year of difference.
Which performed better, IVLU or SCHD?
Over the past year IVLU returned +32.97% vs +32.62% for SCHD, so IVLU leads on 1-year performance. Over the longest common window we track (11 years), IVLU annualized +7.39% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, IVLU or SCHD?
IVLU has been the more volatile fund at 16.2% annualized versus 13.6% for SCHD. Worst drawdown: IVLU -45.4% vs SCHD -33.4%.
Should I hold both IVLU and SCHD?
IVLU and SCHD have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVLU and SCHD?
IVLU and SCHD share 1 common holdings with a 0.2% weight overlap. Combined, they hold 443 unique securities.
Which pays a higher dividend, IVLU or SCHD?
IVLU yields 3.36% while SCHD yields 3.31%, so IVLU currently pays the higher dividend yield.
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