INTF vs SCHD
iShares International Equity Factor ETF vs Schwab US Dividend Equity ETF
Which is better, INTF or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. INTF led over 3Y and 5Y, SCHD over 1Y and the full window. INTF is less concentrated, with 12.8% of the fund in its ten largest positions against 41.6%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | INTF | SCHD |
|---|---|---|
| Expense Ratio | 0.16% | 0.06%Best |
| AUM | $3.7B | $111.6B |
| Dividend Yield | 2.99% | 3.24% |
| Holdings | 504 | 206 |
| YTD Return | +10.53% | +25.99%Best |
| 1Y Return | +18.56% | +31.80%Best |
| 3Y Return (annualized) | +21.06%Best | +17.07% |
| 5Y Return (annualized) | +10.71%Best | +9.69% |
| Volatility (annualized) | 15.0%Tie | 15.0%Tie |
| Max Drawdown | -43.9% | -33.4%Best |
| $10,000 over 5 years | $16,632Best | $15,879 |
| Top 10 Weight | 12.8%Best | 41.6% |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Apr 28, 2015 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: May 4, 2015 to Oct 15, 2026 (11.4 years).
INTF vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 11.4 years both funds cover.
INTF vs SCHD Performance
iShares International Equity Factor ETF (INTF) is an ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year INTF returned +18.56% while SCHD returned +31.80%. Year to date, INTF is up 10.53% versus a gain of 25.99% for SCHD.
Over three years, INTF compounded at +21.06% per year against +17.07% for SCHD; over five years the annualized figures are +10.71% and +9.69% respectively. Across the full 11-year window we track, SCHD has the edge at +10.44% annualized vs +6.32%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
INTF and SCHD have been equally volatile, both at 15.0% annualized.
The deepest peak-to-trough decline in our data was -43.9% for INTF and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
INTF charges 0.16% per year while SCHD charges 0.06%. On a $10,000 position that is $16 vs $6 annually, a gap of $10 per year that compounds over a long holding period. On income, INTF currently yields 2.99% against 3.24% for SCHD.
Holdings Overlap
We hold position weights for 480 holdings in INTF and 98 in SCHD, totalling 98.7% and 99.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 480 positions we hold weights for in INTF and 98 in SCHD, against full books of 504 and 206.
What only one of them owns
Our book lists 97 positions for SCHD that do not appear in our book for INTF (99.8% of the fund), and 8 for INTF that do not appear in SCHD (1.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of INTF and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, INTF or SCHD?
INTF has an expense ratio of 0.16% while SCHD charges 0.06%. SCHD is the cheaper option, by $10 a year on a $10,000 investment.
Which performed better, INTF or SCHD?
Over the past year INTF returned +18.56% vs +31.80% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (11 years), INTF annualized +6.32% vs +10.44% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, INTF or SCHD?
INTF and SCHD have been equally volatile, both at 15.0% annualized. Worst drawdown: INTF -43.9% vs SCHD -33.4%.
Should I hold both INTF and SCHD?
INTF and SCHD have a monthly-return correlation of 0.80, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, INTF or SCHD?
INTF yields 2.99% while SCHD yields 3.24%, so SCHD currently pays the higher dividend yield.
Is SCHD better than INTF?
SCHD has a lower expense ratio. INTF led over 3Y and 5Y, SCHD over 1Y and the full window. INTF is less concentrated, with 12.8% of the fund in its ten largest positions against 41.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.