ETF Versus

IJR vs SCHD

iShares Core S&P Small-Cap ETF vs Schwab U.S. Dividend Equity ETF

Last updated: 2026-04-02

IJR iShares

iShares Core S&P Small-Cap ETF (IJR) is an exchange-traded fund issued by iShares that provides exposure to small-cap U.S. equities with higher growth potential and volatility. It charges a low expense ratio of 0.06%. The fund offers a moderate dividend yield of 1.28%. Launched in 2000, the fund has a 26-year track record.

AUM: $90.2B ER: 0.06% Yield: 1.28% Since: May 22, 2000
SCHD Schwab

Schwab U.S. Dividend Equity ETF (SCHD) is an exchange-traded fund issued by Schwab that provides exposure to U.S. dividend-paying stocks selected for yield or dividend growth. It charges a low expense ratio of 0.06%. The fund offers an attractive dividend yield of 3.46%. Launched in 2011, the fund has a 15-year track record.

AUM: $83.9B ER: 0.06% Yield: 3.46% Since: Oct 20, 2011

Quick Verdict

Over the past year, IJR has significantly outperformed with a 19.2% return vs 9.5%. Income investors may prefer SCHD for its higher yield (3.5% vs 1.3%).

Key Metrics

Metric IJR SCHD
Expense Ratio 0.06% 0.06%
Dividend Yield 1.3% 3.5%
Fund Family iShares Schwab
Category US Small Cap US Dividend

Performance Chart

Indexed to 100 at start (5-year comparison)

75 86 97 108 119 130 2021-04 2022-06 2023-09 2024-12 2026-04
IJR +13.0%
SCHD +23.3%

Performance Comparison

Period IJR SCHD Difference
1 Month -4.33% -4.24% -0.09%
3 Months +2.92% +10.03% -7.11%
6 Months +4.03% +11.31% -7.28%
YTD +2.92% +10.03% -7.11%
1 Year +19.20% +9.47% +9.73%
3 Years +29.06% +24.43% +4.63%
5 Years +12.98% +23.27% -10.29%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period IJR Fees SCHD Fees You Save
$10.000 10 years $120 $120 $0
$10.000 20 years $515 $515 $0
$10.000 30 years $1.664 $1.664 $0
$50.000 10 years $598 $598 $0
$50.000 30 years $8.318 $8.318 $0
$100.000 30 years $16.637 $16.637 $0

Risk Metrics

Based on 5 years of daily returns

Metric IJR SCHD
Annualized Volatility 21.6% 14.6%
Max Drawdown -28.9% -18.9%
Sharpe Ratio 0.01 0.05

Dividend Comparison

Metric IJR SCHD
Annual Dividend (per share) $1.60 $1.06
Dividend Yield 1.28% 3.46%
Distribution Frequency Quarterly Quarterly

Top Holdings

0 of top 10 holdings overlap (0% overlap in top holdings)

IJR Top Holdings

NameWeight
BLK CSH FND TREASURY SL AGENCYXTSLA1.37%
Eastman Chemical CompanyEMN0.54%
Viavi Solutions Inc.VIAV0.53%
Argan, Inc.AGX0.52%
Primoris Services CorporationPRIM0.52%
FormFactor, Inc.FORM0.51%
Element Solutions IncESI0.51%
LKQ CorporationLKQ0.50%
SM Energy CompanySM0.49%
ESCO Technologies Inc.ESE0.48%

SCHD Top Holdings

NameWeight
Chevron CorporationCVX4.66%
ConocoPhillipsCOP4.33%
Merck & Co., Inc.MRK4.08%
Verizon Communications Inc.VZ4.03%
The Coca-Cola CompanyKO3.98%
Texas Instruments IncorporatedTXN3.86%
PepsiCo, Inc.PEP3.83%
Amgen Inc.AMGN3.78%
Abbott LaboratoriesABT3.78%
The Procter & Gamble CompanyPG3.70%

Which One Should You Choose?

Choose IJR if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

Choose SCHD if...

you prioritize dividend income and want higher regular distributions from your portfolio.

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