SCHD vs URTH
Schwab US Dividend Equity ETF vs iShares MSCI World ETF
Which is better, SCHD or URTH?
Large Cap Value against Large Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window, URTH over 3Y and 5Y. URTH is less concentrated, with 27.0% of the fund in its ten largest positions against 41.8%.
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 | SCHD | URTH |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.24% |
| AUM | $108.9B | $8.2B |
| Dividend Yield | 3.00% | 1.36% |
| Holdings | 206 | 1,310 |
| YTD Return | +20.67%Best | +11.10% |
| 1Y Return | +22.79%Best | +14.55% |
| 3Y Return (annualized) | +15.93% | +21.41%Best |
| 5Y Return (annualized) | +9.26% | +11.63%Best |
| Volatility (annualized) | 13.8%Best | 13.9% |
| Max Drawdown | -33.4%Best | -34.0% |
| $10,000 over 5 years | $15,571 | $17,334Best |
| Top 10 Weight | 41.8% | 27.0%Best |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jan 10, 2012 |
Volatility and max drawdown are measured over the window both funds cover: Jan 12, 2012 to Oct 1, 2026 (14.7 years).
SCHD vs URTH 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 14.7 years both funds cover.
SCHD vs URTH Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and iShares MSCI World ETF (URTH) is an ETF from iShares by BlackRock (US). Over the past year SCHD returned +22.79% while URTH returned +14.55%. Year to date, SCHD is up 20.67% versus a gain of 11.10% for URTH.
Over three years, SCHD compounded at +15.93% per year against +21.41% for URTH; over five years the annualized figures are +9.26% and +11.63% respectively. Across the full 15-year window we track, SCHD has the edge at +10.81% annualized vs +10.64%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
URTH has been the more volatile fund, with annualized monthly volatility of 13.9% compared with 13.8% 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 what each fund did in the worst stretch of the window measured above.
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 3.00% against 1.36% for URTH.
Holdings Overlap
92.1% of SCHD's money is in holdings URTH also owns. 5.6% of URTH's money is in holdings SCHD also owns.
Most of SCHD is already inside URTH. Owning both mostly buys the same companies twice.
44 positions in common, counted across the 99 positions we hold weights for in SCHD and 1,222 in URTH, against full books of 206 and 1,310.
What only one of them owns
Our book lists 466 positions for URTH that do not appear in our book for SCHD (67.4% of the fund), and 54 for SCHD that do not appear in URTH (7.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in URTH | Difference |
|---|---|---|---|
| MRKMerck & Company Inc | 4.77% | 0.39% | 4.38% |
| CVXChevron Corp | 4.29% | 0.43% | 3.86% |
| ABTAbbott Laboratories | 4.44% | 0.19% | 4.25% |
| KOCoca Cola Co. | 4.26% | 0.37% | 3.89% |
| AMGNAmgen Inc. | 4.24% | 0.22% | 4.02% |
| COPConocophillips Common Stock USD 0.01 | 4.19% | 0.18% | 4.01% |
| VZVerizon Communications Inc Vz | 4.12% | 0.23% | 3.89% |
| PGProcter & Gamble Company | 3.94% | 0.37% | 3.57% |
| UNHUnitedhealth Group Incorporated | 3.82% | 0.38% | 3.44% |
| HDHome Depot Inc/The | 3.75% | 0.34% | 3.41% |
92.1% of SCHD is already inside URTH.
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, SCHD or URTH?
SCHD has an expense ratio of 0.06% while URTH charges 0.24%. SCHD is the cheaper option, by $18 a year on a $10,000 investment.
Which performed better, SCHD or URTH?
Over the past year SCHD returned +22.79% vs +14.55% for URTH, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +10.81% vs +10.64% for URTH. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or URTH?
URTH has been the more volatile fund at 13.9% annualized versus 13.8% 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 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 SCHD and URTH?
92.1% of SCHD's money is in holdings URTH also owns. 5.6% of URTH's is in holdings SCHD also owns. They hold 44 positions in common, counted across the 99 positions we hold weights for in SCHD and 1,222 in URTH.
Which pays a higher dividend, SCHD or URTH?
SCHD yields 3.00% while URTH yields 1.36%, so SCHD currently pays the higher dividend yield.
Is URTH better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window, URTH over 3Y and 5Y. URTH is less concentrated, with 27.0% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.