ITOT vs SCHD
ITOT vs SCHD
iShares Core S&P Total US Stock Market ETF vs Schwab US Dividend Equity ETF
Quick Verdict
ITOT has a lower expense ratio. SCHD delivered stronger 1-year returns. ITOT offers more diversification with 1628 holdings.
Side-by-Side Comparison
| Metric | ITOT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.06% | |
| AUM | $93.5B | $103.7B | |
| Dividend Yield | 1.00% | 3.31% | |
| Holdings | 2,502 | 104 | |
| YTD Return | +10.22% | +22.69% | |
| 1Y Return | +19.76% | +30.94% | |
| 3Y Return (annualized) | +18.96% | +14.20% | |
| 5Y Return (annualized) | +11.79% | +9.59% | |
| Volatility (annualized) | 15.0% | 13.7% | |
| Max Drawdown | -56.3% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jan 20, 2004 | Oct 20, 2011 |
ITOT vs SCHD Performance
iShares Core S&P Total US Stock Market ETF (ITOT) 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 ITOT returned +19.76% while SCHD returned +30.94%. Year to date, ITOT is up 10.22% versus a gain of 22.69% for SCHD.
Over three years, ITOT compounded at +18.96% per year against +14.20% for SCHD; over five years the annualized figures are +11.79% and +9.59% respectively. Across the full 15-year window we track, SCHD has the edge at +11.31% annualized vs +9.06%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ITOT has been the more volatile fund, with annualized monthly volatility of 15.0% 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 -56.3% for ITOT 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 0.85. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
ITOT 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, ITOT currently yields 1.00% against 3.31% for SCHD.
Holdings Overlap
ITOT and SCHD share 77 holdings out of 1651 unique holdings combined, representing a 6.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in ITOT | Weight in SCHD | Difference |
|---|---|---|---|
| UNH | 0.52% | 4.54% | 4.02% |
| MRK | 0.43% | 4.32% | 3.89% |
| ABT | 0.23% | 4.49% | 4.26% |
| 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 ITOT 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, ITOT or SCHD?
ITOT has an expense ratio of 0.03% while SCHD charges 0.06%. ITOT is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, ITOT or SCHD?
Over the past year ITOT returned +19.76% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), ITOT annualized +9.06% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, ITOT or SCHD?
ITOT has been the more volatile fund at 15.0% annualized versus 13.7% for SCHD. Worst drawdown: ITOT -56.3% vs SCHD -33.4%.
Should I hold both ITOT and SCHD?
ITOT and SCHD have a monthly-return correlation of 0.85, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ITOT and SCHD?
ITOT and SCHD share 77 common holdings with a 6.9% weight overlap. Combined, they hold 1651 unique securities.
Which pays a higher dividend, ITOT or SCHD?
ITOT yields 1.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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