OEF vs SCHD
OEF vs SCHD
iShares S&P 100 ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. OEF offers more diversification with 103 holdings.
Side-by-Side Comparison
| Metric | OEF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.06% | |
| AUM | $19.7B | $103.7B | |
| Dividend Yield | 0.88% | 3.31% | |
| Holdings | 106 | 104 | |
| YTD Return | +12.05% | +24.08% | |
| 1Y Return | +23.68% | +31.88% | |
| 3Y Return (annualized) | +23.26% | +14.92% | |
| 5Y Return (annualized) | +14.97% | +9.85% | |
| Volatility (annualized) | 15.3% | 13.6% | |
| Max Drawdown | -57.3% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 23, 2000 | Oct 20, 2011 |
OEF vs SCHD Performance
iShares S&P 100 ETF (OEF) 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 OEF returned +23.68% while SCHD returned +31.88%. Year to date, OEF is up 12.05% versus a gain of 24.08% for SCHD.
Over three years, OEF compounded at +23.26% per year against +14.92% for SCHD; over five years the annualized figures are +14.97% and +9.85% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +6.93%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
OEF has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -57.3% for OEF 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
OEF charges 0.20% per year while SCHD charges 0.06%. On a $10,000 position that is $20 vs $6 annually, a gap of $14 per year that compounds over a long holding period. On income, OEF currently yields 0.88% against 3.31% for SCHD.
Holdings Overlap
OEF and SCHD share 19 holdings out of 184 unique holdings combined, representing a 8.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in OEF | Weight in SCHD | Difference |
|---|---|---|---|
| UNH | 0.81% | 4.54% | 3.73% |
| MRK | 0.67% | 4.32% | 3.65% |
| HD | 0.75% | 4.16% | 3.41% |
| PG | Pro | Pro | Pro |
| ABT | 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 OEF 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, OEF or SCHD?
OEF has an expense ratio of 0.20% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $14 per year of difference.
Which performed better, OEF or SCHD?
Over the past year OEF returned +23.68% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), OEF annualized +6.93% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, OEF or SCHD?
OEF has been the more volatile fund at 15.3% annualized versus 13.6% for SCHD. Worst drawdown: OEF -57.3% vs SCHD -33.4%.
Should I hold both OEF and SCHD?
OEF and SCHD have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between OEF and SCHD?
OEF and SCHD share 19 common holdings with a 8.5% weight overlap. Combined, they hold 184 unique securities.
Which pays a higher dividend, OEF or SCHD?
OEF yields 0.88% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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