ILCG vs SCHD
ILCG vs SCHD
iShares Morningstar Growth ETF vs Schwab US Dividend Equity ETF
Quick Verdict
ILCG has a lower expense ratio. SCHD delivered stronger 1-year returns. ILCG offers more diversification with 326 holdings.
Side-by-Side Comparison
| Metric | ILCG | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.06% | |
| AUM | $3.1B | $103.7B | |
| Dividend Yield | 0.41% | 3.31% | |
| Holdings | 331 | 104 | |
| YTD Return | +12.64% | +24.08% | |
| 1Y Return | +17.11% | +31.88% | |
| 3Y Return (annualized) | +24.02% | +14.92% | |
| 5Y Return (annualized) | +12.37% | +9.85% | |
| Volatility (annualized) | 16.9% | 13.6% | |
| Max Drawdown | -53.2% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 28, 2004 | Oct 20, 2011 |
ILCG vs SCHD Performance
iShares Morningstar Growth ETF (ILCG) 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 ILCG returned +17.11% while SCHD returned +31.88%. Year to date, ILCG is up 12.64% versus a gain of 24.08% for SCHD.
Over three years, ILCG compounded at +24.02% per year against +14.92% for SCHD; over five years the annualized figures are +12.37% and +9.85% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +11.06%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ILCG has been the more volatile fund, with annualized monthly volatility of 16.9% 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 -53.2% for ILCG 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ILCG charges 0.04% per year while SCHD charges 0.06%. On a $10,000 position that is $4 vs $6 annually, a gap of $2 per year that compounds over a long holding period. On income, ILCG currently yields 0.41% against 3.31% for SCHD.
Holdings Overlap
ILCG and SCHD share 10 holdings out of 416 unique holdings combined, representing a 0.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in ILCG | Weight in SCHD | Difference |
|---|---|---|---|
| TXN | 0.38% | 3.70% | 3.32% |
| BX | 0.09% | 2.38% | 2.29% |
| FAST | 0.16% | 1.34% | 1.18% |
| FITB | Pro | Pro | Pro |
| CINF | Pro | Pro | Pro |
| ARES | Pro | Pro | Pro |
| HSY | Pro | Pro | Pro |
| DRI | Pro | Pro | Pro |
| SNA | Pro | Pro | Pro |
| WSO | Pro | Pro | Pro |
See all 10 holdings ILCG 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, ILCG or SCHD?
ILCG has an expense ratio of 0.04% while SCHD charges 0.06%. ILCG is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, ILCG or SCHD?
Over the past year ILCG returned +17.11% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), ILCG annualized +11.06% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, ILCG or SCHD?
ILCG has been the more volatile fund at 16.9% annualized versus 13.6% for SCHD. Worst drawdown: ILCG -53.2% vs SCHD -33.4%.
Should I hold both ILCG and SCHD?
ILCG and SCHD have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ILCG and SCHD?
ILCG and SCHD share 10 common holdings with a 0.9% weight overlap. Combined, they hold 416 unique securities.
Which pays a higher dividend, ILCG or SCHD?
ILCG yields 0.41% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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