EFG vs SCHD
EFG vs SCHD
iShares MSCI EAFE Growth ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. EFG offers more diversification with 357 holdings.
Side-by-Side Comparison
| Metric | EFG | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.34% | 0.06% | |
| AUM | $16.3B | $103.7B | |
| Dividend Yield | 2.24% | 3.31% | |
| Holdings | 380 | 104 | |
| YTD Return | +5.43% | +22.69% | |
| 1Y Return | +14.77% | +30.94% | |
| 3Y Return (annualized) | +10.10% | +14.20% | |
| 5Y Return (annualized) | +3.62% | +9.59% | |
| Volatility (annualized) | 16.9% | 13.7% | |
| Max Drawdown | -58.9% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Aug 1, 2005 | Oct 20, 2011 |
EFG vs SCHD Performance
iShares MSCI EAFE Growth ETF (EFG) 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 EFG returned +14.77% while SCHD returned +30.94%. Year to date, EFG is up 5.43% versus a gain of 22.69% for SCHD.
Over three years, EFG compounded at +10.10% per year against +14.20% for SCHD; over five years the annualized figures are +3.62% and +9.59% respectively. Across the full 15-year window we track, SCHD has the edge at +11.31% annualized vs +6.11%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EFG has been the more volatile fund, with annualized monthly volatility of 16.9% compared with 13.7% 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 -58.9% for EFG 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
EFG charges 0.34% per year while SCHD charges 0.06%. On a $10,000 position that is $34 vs $6 annually, a gap of $28 per year that compounds over a long holding period. On income, EFG currently yields 2.24% against 3.31% for SCHD.
Holdings Overlap
EFG and SCHD share 0 holdings out of 457 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, EFG or SCHD?
EFG has an expense ratio of 0.34% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $28 per year of difference.
Which performed better, EFG or SCHD?
Over the past year EFG returned +14.77% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), EFG annualized +6.11% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, EFG or SCHD?
EFG has been the more volatile fund at 16.9% annualized versus 13.7% for SCHD. Worst drawdown: EFG -58.9% vs SCHD -33.4%.
Should I hold both EFG and SCHD?
EFG and SCHD have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EFG and SCHD?
EFG and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 457 unique securities.
Which pays a higher dividend, EFG or SCHD?
EFG yields 2.24% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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