LDRH vs SCHD
iShares iBonds 1-5 Year High Yield and Income Ladder 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 | LDRH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $23M | $103.7B | |
| Dividend Yield | 6.47% | 3.31% | |
| Holdings | 1,267 | 104 | |
| YTD Return | +1.37% | +25.62% | |
| 1Y Return | +4.19% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 1.8% | 13.6% | |
| Max Drawdown | -3.2% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Nov 7, 2024 | Oct 20, 2011 |
LDRH vs SCHD Performance
iShares iBonds 1-5 Year High Yield and Income Ladder ETF (LDRH) 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 LDRH returned +4.19% while SCHD returned +32.62%. Year to date, LDRH is up 1.37% 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 1.8% for LDRH. 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 -3.2% for LDRH 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDRH charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, LDRH currently yields 6.47% against 3.31% for SCHD.
Holdings Overlap
LDRH and SCHD share 0 holdings out of 106 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, LDRH or SCHD?
LDRH has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, LDRH or SCHD?
Over the past year LDRH returned +4.19% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), LDRH annualized +4.94% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, LDRH or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.8% for LDRH. Worst drawdown: LDRH -3.2% vs SCHD -33.4%.
Should I hold both LDRH and SCHD?
LDRH and SCHD have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDRH and SCHD?
LDRH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 106 unique securities.
Which pays a higher dividend, LDRH or SCHD?
LDRH yields 6.47% while SCHD yields 3.31%, so LDRH currently pays the higher dividend yield.
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