EAGG vs SCHD
EAGG vs SCHD
iShares ESG Aware US Aggregate Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. EAGG offers more diversification with 4651 holdings.
Side-by-Side Comparison
| Metric | EAGG | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.10% | 0.06% | |
| AUM | $5.0B | $103.7B | |
| Dividend Yield | 3.99% | 3.31% | |
| Holdings | 5,131 | 104 | |
| YTD Return | -0.52% | +22.69% | |
| 1Y Return | +2.72% | +30.94% | |
| 3Y Return (annualized) | +3.74% | +14.20% | |
| 5Y Return (annualized) | -0.59% | +9.59% | |
| Volatility (annualized) | 5.6% | 13.7% | |
| Max Drawdown | -19.4% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Oct 18, 2018 | Oct 20, 2011 |
EAGG vs SCHD Performance
iShares ESG Aware US Aggregate Bond ETF (EAGG) 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 EAGG returned +2.72% while SCHD returned +30.94%. Year to date, EAGG is down 0.52% versus a gain of 22.69% for SCHD.
Over three years, EAGG compounded at +3.74% per year against +14.20% for SCHD; over five years the annualized figures are -0.59% and +9.59% respectively. Across the full 8-year window we track, SCHD has the edge at +11.31% annualized vs +1.12%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 5.6% for EAGG. 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 -19.4% for EAGG 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EAGG charges 0.10% per year while SCHD charges 0.06%. On a $10,000 position that is $10 vs $6 annually, a gap of $4 per year that compounds over a long holding period. On income, EAGG currently yields 3.99% against 3.31% for SCHD.
Holdings Overlap
EAGG and SCHD share 1 holdings out of 4750 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in EAGG | Weight in SCHD | Difference |
|---|---|---|---|
| ADM | 0.00% | 1.07% | 1.07% |
Frequently Asked Questions
Which is cheaper, EAGG or SCHD?
EAGG has an expense ratio of 0.10% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, EAGG or SCHD?
Over the past year EAGG returned +2.72% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), EAGG annualized +1.12% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, EAGG or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 5.6% for EAGG. Worst drawdown: EAGG -19.4% vs SCHD -33.4%.
Should I hold both EAGG and SCHD?
EAGG and SCHD have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EAGG and SCHD?
EAGG and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 4750 unique securities.
Which pays a higher dividend, EAGG or SCHD?
EAGG yields 3.99% while SCHD yields 3.31%, so EAGG currently pays the higher dividend yield.
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