AGRH vs SCHD
AGRH vs SCHD
iShares Interest Rate Hedged US Aggregate Bond 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 | AGRH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.13% | 0.06% | |
| AUM | $8M | $103.7B | |
| Dividend Yield | 4.18% | 3.31% | |
| Holdings | 100 | 104 | |
| YTD Return | +1.93% | +23.31% | |
| 1Y Return | +5.25% | +30.42% | |
| 3Y Return (annualized) | +5.55% | +14.66% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 1.5% | 13.6% | |
| Max Drawdown | -1.7% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jun 22, 2022 | Oct 20, 2011 |
AGRH vs SCHD Performance
iShares Interest Rate Hedged US Aggregate Bond ETF (AGRH) 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 AGRH returned +5.25% while SCHD returned +30.42%. Year to date, AGRH is up 1.93% versus a gain of 23.31% for SCHD.
Over three years, AGRH compounded at +5.55% per year against +14.66% for SCHD. Across the full 4-year window we track, SCHD has the edge at +11.34% annualized vs +5.36%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.5% for AGRH. 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 -1.7% for AGRH 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AGRH charges 0.13% per year while SCHD charges 0.06%. On a $10,000 position that is $13 vs $6 annually, a gap of $7 per year that compounds over a long holding period. On income, AGRH currently yields 4.18% against 3.31% for SCHD.
Holdings Overlap
AGRH and SCHD share 0 holdings out of 102 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, AGRH or SCHD?
AGRH has an expense ratio of 0.13% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, AGRH or SCHD?
Over the past year AGRH returned +5.25% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), AGRH annualized +5.36% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, AGRH or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.5% for AGRH. Worst drawdown: AGRH -1.7% vs SCHD -33.4%.
Should I hold both AGRH and SCHD?
AGRH and SCHD have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AGRH and SCHD?
AGRH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, AGRH or SCHD?
AGRH yields 4.18% while SCHD yields 3.31%, so AGRH currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.