EUSB vs SCHD
EUSB vs SCHD
iShares ESG Advanced Universal USD Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. EUSB offers more diversification with 3804 holdings.
Side-by-Side Comparison
| Metric | EUSB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.12% | 0.06% | |
| AUM | $712M | $103.7B | |
| Dividend Yield | 3.95% | 3.31% | |
| Holdings | 4,208 | 104 | |
| YTD Return | -0.21% | +24.08% | |
| 1Y Return | +2.13% | +31.88% | |
| 3Y Return (annualized) | +4.27% | +14.92% | |
| 5Y Return (annualized) | -0.17% | +9.85% | |
| Volatility (annualized) | 5.7% | 13.6% | |
| Max Drawdown | -18.3% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jun 23, 2020 | Oct 20, 2011 |
EUSB vs SCHD Performance
iShares ESG Advanced Universal USD Bond ETF (EUSB) 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 EUSB returned +2.13% while SCHD returned +31.88%. Year to date, EUSB is down 0.21% versus a gain of 24.08% for SCHD.
Over three years, EUSB compounded at +4.27% per year against +14.92% for SCHD; over five years the annualized figures are -0.17% and +9.85% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +0.00%. 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 5.7% for EUSB. 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 -18.3% for EUSB 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EUSB charges 0.12% per year while SCHD charges 0.06%. On a $10,000 position that is $12 vs $6 annually, a gap of $6 per year that compounds over a long holding period. On income, EUSB currently yields 3.95% against 3.31% for SCHD.
Holdings Overlap
EUSB and SCHD share 0 holdings out of 3904 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, EUSB or SCHD?
EUSB has an expense ratio of 0.12% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, EUSB or SCHD?
Over the past year EUSB returned +2.13% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), EUSB annualized +0.00% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, EUSB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 5.7% for EUSB. Worst drawdown: EUSB -18.3% vs SCHD -33.4%.
Should I hold both EUSB and SCHD?
EUSB and SCHD have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EUSB and SCHD?
EUSB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 3904 unique securities.
Which pays a higher dividend, EUSB or SCHD?
EUSB yields 3.95% while SCHD yields 3.31%, so EUSB currently pays the higher dividend yield.
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