IYRI vs SCHD
NEOS Real Estate High Income 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 | IYRI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.68% | 0.06% | |
| AUM | $306M | $103.7B | |
| Dividend Yield | 11.07% | 3.31% | |
| Holdings | 64 | 104 | |
| YTD Return | +0.89% | +25.62% | |
| 1Y Return | +2.47% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 9.1% | 13.6% | |
| Max Drawdown | -12.1% | -33.4% | |
| Fund Family | NEOS | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jan 14, 2025 | Oct 20, 2011 |
IYRI vs SCHD Performance
NEOS Real Estate High Income ETF (IYRI) is a ETF from NEOS and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year IYRI returned +2.47% while SCHD returned +32.62%. Year to date, IYRI is up 0.89% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.1% for IYRI. 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 -12.1% for IYRI 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 0.59. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IYRI charges 0.68% per year while SCHD charges 0.06%. On a $10,000 position that is $68 vs $6 annually, a gap of $62 per year that compounds over a long holding period. On income, IYRI currently yields 11.07% against 3.31% for SCHD.
Holdings Overlap
IYRI and SCHD share 0 holdings out of 161 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, IYRI or SCHD?
IYRI has an expense ratio of 0.68% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $62 per year of difference.
Which performed better, IYRI or SCHD?
Over the past year IYRI returned +2.47% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), IYRI annualized +4.93% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, IYRI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.1% for IYRI. Worst drawdown: IYRI -12.1% vs SCHD -33.4%.
Should I hold both IYRI and SCHD?
IYRI and SCHD have a monthly-return correlation of 0.59, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IYRI and SCHD?
IYRI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 161 unique securities.
Which pays a higher dividend, IYRI or SCHD?
IYRI yields 11.07% while SCHD yields 3.31%, so IYRI currently pays the higher dividend yield.
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