INTL vs SCHD
INTL vs SCHD
Main International ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | INTL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.84% | 0.06% | |
| AUM | $230M | $103.7B | |
| Dividend Yield | 3.38% | 3.31% | |
| Holdings | 10 | 104 | |
| YTD Return | +10.41% | +24.26% | |
| 1Y Return | +18.93% | +31.38% | |
| 3Y Return (annualized) | +15.38% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 13.2% | 13.6% | |
| Max Drawdown | -14.5% | -33.4% | |
| Fund Family | Main Management ETF Advisors, LLC | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Dec 1, 2022 | Oct 20, 2011 |
INTL vs SCHD Performance
Main International ETF (INTL) is a ETF from Main Management ETF Advisors, LLC and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year INTL returned +18.93% while SCHD returned +31.38%. Year to date, INTL is up 10.41% versus a gain of 24.26% for SCHD.
Over three years, INTL compounded at +15.38% per year against +15.08% for SCHD. Across the full 4-year window we track, INTL has the edge at +14.68% annualized vs +11.39%. 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 13.2% for INTL. 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 -14.5% for INTL 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
INTL charges 0.84% per year while SCHD charges 0.06%. On a $10,000 position that is $84 vs $6 annually, a gap of $78 per year that compounds over a long holding period. On income, INTL currently yields 3.38% against 3.31% for SCHD.
Holdings Overlap
INTL and SCHD share 0 holdings out of 109 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, INTL or SCHD?
INTL has an expense ratio of 0.84% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $78 per year of difference.
Which performed better, INTL or SCHD?
Over the past year INTL returned +18.93% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), INTL annualized +14.68% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, INTL or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.2% for INTL. Worst drawdown: INTL -14.5% vs SCHD -33.4%.
Should I hold both INTL and SCHD?
INTL and SCHD have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between INTL and SCHD?
INTL and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 109 unique securities.
Which pays a higher dividend, INTL or SCHD?
INTL yields 3.38% while SCHD yields 3.31%, so INTL currently pays the higher dividend yield.
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