IVV vs SCHF
IVV vs SCHF
iShares Core S&P 500 ETF vs Schwab International Equity ETF
Quick Verdict
SCHF delivered stronger 1-year returns. SCHF offers more diversification with 1226 holdings.
Side-by-Side Comparison
| Metric | IVV | SCHF | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $865.2B | $66.3B | |
| Dividend Yield | 1.09% | 3.06% | |
| Holdings | 508 | 1,498 | |
| YTD Return | +13.13% | +15.39% | |
| 1Y Return | +22.90% | +30.24% | |
| 3Y Return (annualized) | +21.08% | +19.57% | |
| 5Y Return (annualized) | +13.27% | +10.24% | |
| Volatility (annualized) | 15.1% | 15.7% | |
| Max Drawdown | -56.5% | -38.6% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 15, 2000 | Nov 3, 2009 |
IVV vs SCHF Performance
iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US) and Schwab International Equity ETF (SCHF) is a ETF from Charles Schwab Asset Management. Over the past year IVV returned +22.90% while SCHF returned +30.24%. Year to date, IVV is up 13.13% versus a gain of 15.39% for SCHF.
Over three years, IVV compounded at +21.08% per year against +19.57% for SCHF; over five years the annualized figures are +13.27% and +10.24% respectively. Across the full 17-year window we track, IVV has the edge at +7.02% annualized vs +6.03%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHF has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 15.1% for IVV. 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 -56.5% for IVV and -38.6% for SCHF. 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
IVV charges 0.03% per year while SCHF charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, IVV currently yields 1.09% against 3.06% for SCHF.
Holdings Overlap
IVV and SCHF share 4 holdings out of 1727 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
Frequently Asked Questions
Which is cheaper, IVV or SCHF?
IVV has an expense ratio of 0.03% while SCHF charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, IVV or SCHF?
Over the past year IVV returned +22.90% vs +30.24% for SCHF, so SCHF leads on 1-year performance. Over the longest common window we track (17 years), IVV annualized +7.02% vs +6.03% for SCHF. Past performance does not guarantee future results.
Which is riskier, IVV or SCHF?
SCHF has been the more volatile fund at 15.7% annualized versus 15.1% for IVV. Worst drawdown: IVV -56.5% vs SCHF -38.6%.
Should I hold both IVV and SCHF?
IVV and SCHF 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 IVV and SCHF?
IVV and SCHF share 4 common holdings with a 0.1% weight overlap. Combined, they hold 1727 unique securities.
Which pays a higher dividend, IVV or SCHF?
IVV yields 1.09% while SCHF yields 3.06%, so SCHF currently pays the higher dividend yield.
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