LDRT vs SCHD
LDRT vs SCHD
iShares iBonds 1-5 Year Treasury 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 | LDRT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.06% | |
| AUM | $207M | $103.7B | |
| Dividend Yield | 3.79% | 3.31% | |
| Holdings | 180 | 104 | |
| YTD Return | +0.34% | +24.26% | |
| 1Y Return | +2.44% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 1.7% | 13.6% | |
| Max Drawdown | -1.4% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Nov 7, 2024 | Oct 20, 2011 |
LDRT vs SCHD Performance
iShares iBonds 1-5 Year Treasury Ladder ETF (LDRT) 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 LDRT returned +2.44% while SCHD returned +31.38%. Year to date, LDRT is up 0.34% 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 LDRT. 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 -1.4% for LDRT 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 0.19. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDRT charges 0.07% per year while SCHD charges 0.06%. On a $10,000 position that is $7 vs $6 annually, a gap of $1 per year that compounds over a long holding period. On income, LDRT currently yields 3.79% against 3.31% for SCHD.
Holdings Overlap
LDRT and SCHD share 0 holdings out of 105 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, LDRT or SCHD?
LDRT has an expense ratio of 0.07% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, LDRT or SCHD?
Over the past year LDRT returned +2.44% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), LDRT annualized +3.67% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, LDRT or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.7% for LDRT. Worst drawdown: LDRT -1.4% vs SCHD -33.4%.
Should I hold both LDRT and SCHD?
LDRT and SCHD have a monthly-return correlation of 0.19, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDRT and SCHD?
LDRT and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 105 unique securities.
Which pays a higher dividend, LDRT or SCHD?
LDRT yields 3.79% while SCHD yields 3.31%, so LDRT currently pays the higher dividend yield.
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