ILCB vs SCHD
ILCB vs SCHD
iShares Morningstar US Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
ILCB has a lower expense ratio. SCHD delivered stronger 1-year returns. ILCB offers more diversification with 499 holdings.
Side-by-Side Comparison
| Metric | ILCB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.06% | |
| AUM | $1.3B | $103.7B | |
| Dividend Yield | 0.98% | 3.31% | |
| Holdings | 533 | 104 | |
| YTD Return | +9.84% | +22.69% | |
| 1Y Return | +19.14% | +30.94% | |
| 3Y Return (annualized) | +19.49% | +14.20% | |
| 5Y Return (annualized) | +12.31% | +9.59% | |
| Volatility (annualized) | 14.7% | 13.7% | |
| Max Drawdown | -52.8% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 28, 2004 | Oct 20, 2011 |
ILCB vs SCHD Performance
iShares Morningstar US Equity ETF (ILCB) 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 ILCB returned +19.14% while SCHD returned +30.94%. Year to date, ILCB is up 9.84% versus a gain of 22.69% for SCHD.
Over three years, ILCB compounded at +19.49% per year against +14.20% for SCHD; over five years the annualized figures are +12.31% and +9.59% respectively. Across the full 15-year window we track, SCHD has the edge at +11.31% annualized vs +9.53%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ILCB has been the more volatile fund, with annualized monthly volatility of 14.7% 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 -52.8% for ILCB 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ILCB charges 0.03% per year while SCHD charges 0.06%. On a $10,000 position that is $3 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, ILCB currently yields 0.98% against 3.31% for SCHD.
Holdings Overlap
ILCB and SCHD share 44 holdings out of 555 unique holdings combined, representing a 7.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in ILCB | Weight in SCHD | Difference |
|---|---|---|---|
| UNH | 0.58% | 4.54% | 3.96% |
| MRK | 0.46% | 4.32% | 3.86% |
| ABT | 0.25% | 4.49% | 4.24% |
| HD | Pro | Pro | Pro |
| PG | Pro | Pro | Pro |
| KO | Pro | Pro | Pro |
| AMGN | Pro | Pro | Pro |
| CVX | Pro | Pro | Pro |
| TXN | Pro | Pro | Pro |
| PEP | Pro | Pro | Pro |
See all 10 holdings ILCB shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, ILCB or SCHD?
ILCB has an expense ratio of 0.03% while SCHD charges 0.06%. ILCB is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, ILCB or SCHD?
Over the past year ILCB returned +19.14% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), ILCB annualized +9.53% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, ILCB or SCHD?
ILCB has been the more volatile fund at 14.7% annualized versus 13.7% for SCHD. Worst drawdown: ILCB -52.8% vs SCHD -33.4%.
Should I hold both ILCB and SCHD?
ILCB and SCHD have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ILCB and SCHD?
ILCB and SCHD share 44 common holdings with a 7.5% weight overlap. Combined, they hold 555 unique securities.
Which pays a higher dividend, ILCB or SCHD?
ILCB yields 0.98% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.