SCHD vs URTH
Schwab US Dividend Equity ETF vs iShares MSCI World ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. URTH offers more diversification with 1,310 holdings.
Side-by-Side Comparison
| Metric | SCHD | URTH | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.24% | |
| AUM | $108.7B | $8.4B | |
| Dividend Yield | 3.13% | 1.40% | |
| Holdings | 104 | 1,310 | |
| YTD Return | +27.67% | +12.18% | |
| 1Y Return | +31.26% | +20.75% | |
| 3Y Return (annualized) | +16.66% | +20.78% | |
| 5Y Return (annualized) | +10.18% | +11.46% | |
| Volatility (annualized) | 13.6% | 14.0% | |
| Max Drawdown | -33.4% | -34.0% | |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jan 10, 2012 |
SCHD vs URTH Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and iShares MSCI World ETF (URTH) is a ETF from iShares by BlackRock (US). Over the past year SCHD returned +31.26% while URTH returned +20.75%. Year to date, SCHD is up 27.67% versus a gain of 12.18% for URTH.
Over three years, SCHD compounded at +16.66% per year against +20.78% for URTH; over five years the annualized figures are +10.18% and +11.46% respectively. Across the full 15-year window we track, SCHD has the edge at +11.57% annualized vs +10.80%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
URTH has been the more volatile fund, with annualized monthly volatility of 14.0% 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 -33.4% for SCHD and -34.0% for URTH. 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while URTH charges 0.24%. On a $10,000 position that is $6 vs $24 annually, a gap of $18 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 1.40% for URTH.
Holdings Overlap
SCHD and URTH share 41 holdings out of 1112 unique holdings combined, representing a 5.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or URTH?
SCHD has an expense ratio of 0.06% while URTH charges 0.24%. SCHD is the cheaper option. On a $10,000 investment, that is $18 per year of difference.
Which performed better, SCHD or URTH?
Over the past year SCHD returned +31.26% vs +20.75% for URTH, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.57% vs +10.80% for URTH. Past performance does not guarantee future results.
Which is riskier, SCHD or URTH?
URTH has been the more volatile fund at 14.0% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs URTH -34.0%.
Should I hold both SCHD and URTH?
SCHD and URTH have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and URTH?
SCHD and URTH share 41 common holdings with a 5.2% weight overlap. Combined, they hold 1112 unique securities.
Which pays a higher dividend, SCHD or URTH?
SCHD yields 3.13% while URTH yields 1.40%, so SCHD currently pays the higher dividend yield.
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