IFRA vs SCHD
IFRA vs SCHD
iShares US Infrastructure ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. IFRA offers more diversification with 162 holdings.
Side-by-Side Comparison
| Metric | IFRA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.06% | |
| AUM | $4.6B | $103.7B | |
| Dividend Yield | 1.54% | 3.31% | |
| Holdings | 168 | 104 | |
| YTD Return | +15.39% | +23.31% | |
| 1Y Return | +22.30% | +30.42% | |
| 3Y Return (annualized) | +17.86% | +14.66% | |
| 5Y Return (annualized) | +13.50% | +9.59% | |
| Volatility (annualized) | 19.8% | 13.6% | |
| Max Drawdown | -41.1% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 3, 2018 | Oct 20, 2011 |
IFRA vs SCHD Performance
iShares US Infrastructure ETF (IFRA) 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 IFRA returned +22.30% while SCHD returned +30.42%. Year to date, IFRA is up 15.39% versus a gain of 23.31% for SCHD.
Over three years, IFRA compounded at +17.86% per year against +14.66% for SCHD; over five years the annualized figures are +13.50% and +9.59% respectively. Across the full 8-year window we track, IFRA has the edge at +12.35% annualized vs +11.34%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
IFRA has been the more volatile fund, with annualized monthly volatility of 19.8% 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 -41.1% for IFRA 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 0.87. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
IFRA charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, IFRA currently yields 1.54% against 3.31% for SCHD.
Holdings Overlap
IFRA and SCHD share 1 holdings out of 261 unique holdings combined, representing a 1.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in IFRA | Weight in SCHD | Difference |
|---|---|---|---|
| OKE | 1.56% | 1.50% | 0.06% |
Frequently Asked Questions
Which is cheaper, IFRA or SCHD?
IFRA has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, IFRA or SCHD?
Over the past year IFRA returned +22.30% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), IFRA annualized +12.35% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, IFRA or SCHD?
IFRA has been the more volatile fund at 19.8% annualized versus 13.6% for SCHD. Worst drawdown: IFRA -41.1% vs SCHD -33.4%.
Should I hold both IFRA and SCHD?
IFRA and SCHD have a monthly-return correlation of 0.87, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IFRA and SCHD?
IFRA and SCHD share 1 common holdings with a 1.5% weight overlap. Combined, they hold 261 unique securities.
Which pays a higher dividend, IFRA or SCHD?
IFRA yields 1.54% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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