EZU vs SCHD
EZU vs SCHD
iShares MSCI Eurozone ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. EZU offers more diversification with 222 holdings.
Side-by-Side Comparison
| Metric | EZU | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $9.4B | $103.7B | |
| Dividend Yield | 2.66% | 3.31% | |
| Holdings | 228 | 104 | |
| YTD Return | +9.26% | +23.53% | |
| 1Y Return | +21.94% | +30.95% | |
| 3Y Return (annualized) | +18.26% | +14.72% | |
| 5Y Return (annualized) | +9.79% | +9.56% | |
| Volatility (annualized) | 21.0% | 13.6% | |
| Max Drawdown | -69.8% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jul 25, 2000 | Oct 20, 2011 |
EZU vs SCHD Performance
iShares MSCI Eurozone ETF (EZU) 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 EZU returned +21.94% while SCHD returned +30.95%. Year to date, EZU is up 9.26% versus a gain of 23.53% for SCHD.
Over three years, EZU compounded at +18.26% per year against +14.72% for SCHD; over five years the annualized figures are +9.79% and +9.56% respectively. Across the full 15-year window we track, SCHD has the edge at +11.35% annualized vs +5.48%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EZU has been the more volatile fund, with annualized monthly volatility of 21.0% compared with 13.6% 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 -69.8% for EZU 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
EZU charges 0.50% per year while SCHD charges 0.06%. On a $10,000 position that is $50 vs $6 annually, a gap of $44 per year that compounds over a long holding period. On income, EZU currently yields 2.66% against 3.31% for SCHD.
Holdings Overlap
EZU and SCHD share 1 holdings out of 321 unique holdings combined, representing a 0.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in EZU | Weight in SCHD | Difference |
|---|---|---|---|
| MRK | 0.27% | 4.32% | 4.05% |
Frequently Asked Questions
Which is cheaper, EZU or SCHD?
EZU has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, EZU or SCHD?
Over the past year EZU returned +21.94% vs +30.95% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), EZU annualized +5.48% vs +11.35% for SCHD. Past performance does not guarantee future results.
Which is riskier, EZU or SCHD?
EZU has been the more volatile fund at 21.0% annualized versus 13.6% for SCHD. Worst drawdown: EZU -69.8% vs SCHD -33.4%.
Should I hold both EZU and SCHD?
EZU and SCHD have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EZU and SCHD?
EZU and SCHD share 1 common holdings with a 0.3% weight overlap. Combined, they hold 321 unique securities.
Which pays a higher dividend, EZU or SCHD?
EZU yields 2.66% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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