IVV vs SCHC
iShares Core S&P 500 ETF vs Schwab International Small-Cap Equity ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. SCHC offers more diversification with 2,271 holdings.
Side-by-Side Comparison
| Metric | IVV | SCHC | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.06% | |
| AUM | $907.0B | $5.7B | |
| Dividend Yield | 1.10% | 3.48% | |
| Holdings | 508 | 2,271 | |
| YTD Return | +13.22% | +11.14% | |
| 1Y Return | +21.62% | +20.70% | |
| 3Y Return (annualized) | +22.17% | +19.42% | |
| 5Y Return (annualized) | +13.42% | +7.28% | |
| Volatility (annualized) | 15.1% | 17.4% | |
| Max Drawdown | -56.5% | -47.1% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Jan 14, 2010 |
IVV vs SCHC Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Schwab International Small-Cap Equity ETF (SCHC) is a ETF from Charles Schwab Asset Management. Over the past year IVV returned +21.62% while SCHC returned +20.70%. Year to date, IVV is up 13.22% versus a gain of 11.14% for SCHC.
Over three years, IVV compounded at +22.17% per year against +19.42% for SCHC; over five years the annualized figures are +13.42% and +7.28% respectively. Across the full 17-year window we track, IVV has the edge at +7.02% annualized vs +5.23%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHC has been the more volatile fund, with annualized monthly volatility of 17.4% compared with 15.1% for IVV. 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 -56.5% for IVV and -47.1% for SCHC. 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IVV charges 0.03% per year while SCHC 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, IVV currently yields 1.10% against 3.48% for SCHC.
Holdings Overlap
IVV and SCHC share 1 holdings out of 2032 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IVV | Weight in SCHC | Difference |
|---|---|---|---|
| CRL | 0.02% | 0.05% | 0.03% |
Frequently Asked Questions
Which is cheaper, IVV or SCHC?
IVV has an expense ratio of 0.03% while SCHC charges 0.06%. IVV is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, IVV or SCHC?
Over the past year IVV returned +21.62% vs +20.70% for SCHC, so IVV leads on 1-year performance. Over the longest common window we track (17 years), IVV annualized +7.02% vs +5.23% for SCHC. Past performance does not guarantee future results.
Which is riskier, IVV or SCHC?
SCHC has been the more volatile fund at 17.4% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs SCHC -47.1%.
Should I hold both IVV and SCHC?
IVV and SCHC have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IVV and SCHC?
IVV and SCHC share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2032 unique securities.
Which pays a higher dividend, IVV or SCHC?
IVV yields 1.10% while SCHC yields 3.48%, so SCHC currently pays the higher dividend yield.
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