IUSB vs SCHD
IUSB vs SCHD
iShares Core Universal USD Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD delivered stronger 1-year returns. IUSB offers more diversification with 9319 holdings.
Side-by-Side Comparison
| Metric | IUSB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.06% | |
| AUM | $43.1B | $103.7B | |
| Dividend Yield | 4.20% | 3.31% | |
| Holdings | 17,578 | 104 | |
| YTD Return | -0.45% | +23.02% | |
| 1Y Return | +1.98% | +30.75% | |
| 3Y Return (annualized) | +4.40% | +14.89% | |
| 5Y Return (annualized) | -0.09% | +9.38% | |
| Volatility (annualized) | 4.8% | 13.6% | |
| Max Drawdown | -50.2% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jun 10, 2014 | Oct 20, 2011 |
IUSB vs SCHD Performance
iShares Core Universal USD Bond ETF (IUSB) 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 IUSB returned +1.98% while SCHD returned +30.75%. Year to date, IUSB is down 0.45% versus a gain of 23.02% for SCHD.
Over three years, IUSB compounded at +4.40% per year against +14.89% for SCHD; over five years the annualized figures are -0.09% and +9.38% respectively. Across the full 12-year window we track, SCHD has the edge at +11.33% annualized vs +0.65%. 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 4.8% for IUSB. 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 -50.2% for IUSB 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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
IUSB charges 0.06% per year while SCHD charges 0.06%. On a $10,000 position that is $6 vs $6 annually. On income, IUSB currently yields 4.20% against 3.31% for SCHD.
Holdings Overlap
IUSB and SCHD share 0 holdings out of 9419 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, IUSB or SCHD?
IUSB has an expense ratio of 0.06% while SCHD charges 0.06%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, IUSB or SCHD?
Over the past year IUSB returned +1.98% vs +30.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (12 years), IUSB annualized +0.65% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, IUSB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.8% for IUSB. Worst drawdown: IUSB -50.2% vs SCHD -33.4%.
Should I hold both IUSB and SCHD?
IUSB and SCHD have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between IUSB and SCHD?
IUSB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 9419 unique securities.
Which pays a higher dividend, IUSB or SCHD?
IUSB yields 4.20% while SCHD yields 3.31%, so IUSB currently pays the higher dividend yield.
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