IWFG vs SCHD
NYLI Winslow Focused Large Cap Growth ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | IWFG | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.46% | 0.06% | |
| AUM | $59M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 30 | 104 | |
| YTD Return | +3.78% | +25.33% | |
| 1Y Return | +5.78% | +32.31% | |
| 3Y Return (annualized) | +22.53% | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 18.4% | 13.6% | |
| Max Drawdown | -22.0% | -33.4% | |
| Fund Family | New York Life Investments | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 22, 2022 | Oct 20, 2011 |
IWFG vs SCHD Performance
NYLI Winslow Focused Large Cap Growth ETF (IWFG) is a ETF from New York Life Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IWFG returned +5.78% while SCHD returned +32.31%. Year to date, IWFG is up 3.78% versus a gain of 25.33% for SCHD.
Over three years, IWFG compounded at +22.53% per year against +15.40% for SCHD. Across the full 4-year window we track, IWFG has the edge at +22.69% annualized vs +11.45%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IWFG has been the more volatile fund, with annualized monthly volatility of 18.4% 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 -22.0% for IWFG 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 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IWFG charges 0.46% per year while SCHD charges 0.06%. On a $10,000 position that is $46 vs $6 annually, a gap of $40 per year that compounds over a long holding period. On income, IWFG currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
IWFG and SCHD share 0 holdings out of 128 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, IWFG or SCHD?
IWFG has an expense ratio of 0.46% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, IWFG or SCHD?
Over the past year IWFG returned +5.78% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), IWFG annualized +22.69% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, IWFG or SCHD?
IWFG has been the more volatile fund at 18.4% annualized versus 13.6% for SCHD. Worst drawdown: IWFG -22.0% vs SCHD -33.4%.
Should I hold both IWFG and SCHD?
IWFG and SCHD have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IWFG and SCHD?
IWFG and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 128 unique securities.
Which pays a higher dividend, IWFG or SCHD?
IWFG yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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