LDRI vs SCHD
LDRI vs SCHD
iShares iBonds 1-5 Year TIPS 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 | LDRI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.06% | |
| AUM | $22M | $103.7B | |
| Dividend Yield | 3.54% | 3.31% | |
| Holdings | 26 | 104 | |
| YTD Return | +1.97% | +24.26% | |
| 1Y Return | +3.02% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 1.7% | 13.6% | |
| Max Drawdown | -0.8% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Nov 7, 2024 | Oct 20, 2011 |
LDRI vs SCHD Performance
iShares iBonds 1-5 Year TIPS Ladder ETF (LDRI) 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 LDRI returned +3.02% while SCHD returned +31.38%. Year to date, LDRI is up 1.97% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.7% for LDRI. 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 -0.8% for LDRI 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
LDRI charges 0.10% per year while SCHD charges 0.06%. On a $10,000 position that is $10 vs $6 annually, a gap of $4 per year that compounds over a long holding period. On income, LDRI currently yields 3.54% against 3.31% for SCHD.
Holdings Overlap
LDRI and SCHD share 0 holdings out of 123 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, LDRI or SCHD?
LDRI has an expense ratio of 0.10% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, LDRI or SCHD?
Over the past year LDRI returned +3.02% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), LDRI annualized +4.42% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, LDRI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.7% for LDRI. Worst drawdown: LDRI -0.8% vs SCHD -33.4%.
Should I hold both LDRI and SCHD?
LDRI 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 LDRI and SCHD?
LDRI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 123 unique securities.
Which pays a higher dividend, LDRI or SCHD?
LDRI yields 3.54% while SCHD yields 3.31%, so LDRI currently pays the higher dividend yield.
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