OEF vs SCHD
iShares S&P 100 ETF vs Schwab US Dividend Equity ETF
Which is better, OEF or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. OEF led over 3Y, 5Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 52.1%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | OEF | SCHD |
|---|---|---|
| Expense Ratio | 0.20% | 0.06%Best |
| AUM | $20.3B | $112.1B |
| Dividend Yield | 0.85% | 3.00% |
| Holdings | 106 | 103 |
| YTD Return | +11.66% | +24.23%Best |
| 1Y Return | +16.52% | +27.90%Best |
| 3Y Return (annualized) | +23.30%Best | +15.55% |
| 5Y Return (annualized) | +14.62%Best | +9.97% |
| Volatility (annualized) | 14.2% | 13.6%Best |
| Max Drawdown | -31.4%Best | -33.4% |
| $10,000 over 5 years | $19,783Best | $16,083 |
| Top 10 Weight | 52.1% | 41.8%Best |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Oct 23, 2000 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 17, 2026 (14.9 years).
OEF vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 14.9 years both funds cover.
OEF vs SCHD Performance
iShares S&P 100 ETF (OEF) is an ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year OEF returned +16.52% while SCHD returned +27.90%. Year to date, OEF is up 11.66% versus a gain of 24.23% for SCHD.
Over three years, OEF compounded at +23.30% per year against +15.55% for SCHD; over five years the annualized figures are +14.62% and +9.97% respectively. Across the full 15-year window we track, OEF has the edge at +14.33% annualized vs +11.30%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
OEF has been the more volatile fund, with annualized monthly volatility of 14.2% 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 -31.4% for OEF and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
OEF charges 0.20% per year while SCHD charges 0.06%. On a $10,000 position that is $20 vs $6 annually, a gap of $14 per year that compounds over a long holding period. On income, OEF currently yields 0.85% against 3.00% for SCHD.
Holdings Overlap
8.7% of OEF's money is in holdings SCHD also owns. 67.0% of SCHD's money is in holdings OEF also owns.
The two portfolios partly overlap.
19 positions in common, counted across the 102 positions we hold weights for in OEF and 100 in SCHD, against full books of 106 and 103.
What only one of them owns
Measured across the 102 and 100 positions we hold weights for.
SCHD holds 80 positions OEF does not, 32.9% of the fund.
Largest: ADP 2.79%, BX 2.59%, SLB 2.19%, EOG 1.88%, TGT 1.78%
Top Shared Holdings
| Stock | Weight in OEF | Weight in SCHD | Difference |
|---|---|---|---|
| MRKMerck & Company Inc | 0.76% | 4.77% | 4.01% |
| AMGNAmgen Inc. | 0.48% | 4.70% | 4.22% |
| ABTAbbott Laboratories | 0.40% | 4.69% | 4.29% |
| KOCoca Cola Co. | 0.71% | 4.17% | 3.46% |
| CVXChevron Corp | 0.80% | 4.02% | 3.22% |
| UNHUnitedhealth Group Incorporated | 0.74% | 3.82% | 3.08% |
| HDHome Depot Inc/The | 0.68% | 3.88% | 3.20% |
| PGProcter & Gamble Company | 0.70% | 3.83% | 3.13% |
| VZVerizon Communic | 0.43% | 3.97% | 3.54% |
| COPConocophillips Common Stock USD 0.01 | 0.34% | 3.94% | 3.60% |
67.0% of SCHD is already inside OEF.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, OEF or SCHD?
OEF has an expense ratio of 0.20% while SCHD charges 0.06%. SCHD is the cheaper option, by $14 a year on a $10,000 investment.
Which performed better, OEF or SCHD?
Over the past year OEF returned +16.52% vs +27.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), OEF annualized +14.33% vs +11.30% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, OEF or SCHD?
OEF has been the more volatile fund at 14.2% annualized versus 13.6% for SCHD. Worst drawdown: OEF -31.4% vs SCHD -33.4%.
Should I hold both OEF and SCHD?
OEF and SCHD have a monthly-return correlation of 0.79, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between OEF and SCHD?
67.0% of SCHD's money is in holdings OEF also owns. 67.0% of SCHD's is in holdings OEF also owns. They hold 19 positions in common, counted across the 102 positions we hold weights for in OEF and 100 in SCHD.
Which pays a higher dividend, OEF or SCHD?
OEF yields 0.85% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than OEF?
SCHD has a lower expense ratio. OEF led over 3Y, 5Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 52.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.