IVSI vs SCHD
Applied Finance IVS International Large ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. IVSI offers more diversification with 188 holdings.
Side-by-Side Comparison
| Metric | IVSI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.06% | |
| AUM | $9M | $103.7B | |
| Dividend Yield | 0.04% | 3.31% | |
| Holdings | 194 | 104 | |
| YTD Return | +16.21% | +25.62% | |
| 1Y Return | - | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | - | 13.6% | |
| Max Drawdown | -11.7% | -33.4% | |
| Fund Family | Applied Finance Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 10, 2025 | Oct 20, 2011 |
IVSI vs SCHD Performance
Applied Finance IVS International Large ETF (IVSI) is a ETF from Applied Finance Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, IVSI is up 16.21% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -11.7% for IVSI and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
IVSI charges 0.65% per year while SCHD charges 0.06%. On a $10,000 position that is $65 vs $6 annually, a gap of $59 per year that compounds over a long holding period. On income, IVSI currently yields 0.04% against 3.31% for SCHD.
Holdings Overlap
IVSI and SCHD share 1 holdings out of 287 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVSI | Weight in SCHD | Difference |
|---|---|---|---|
| MC | 1.36% | 0.13% | 1.23% |
Frequently Asked Questions
Which is cheaper, IVSI or SCHD?
IVSI has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
What is the holdings overlap between IVSI and SCHD?
IVSI and SCHD share 1 common holdings with a 0.1% weight overlap. Combined, they hold 287 unique securities.
Which pays a higher dividend, IVSI or SCHD?
IVSI yields 0.04% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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