INTF vs. SCHD

Last updated Jun 24, 2026

INTF (iShares MSCI Intl Multifactor ETF) and SCHD (Schwab U.S. Dividend Equity ETF) are both exchange-traded funds - INTF is a Foreign Large Cap Equities fund tracking the MSCI World ex USA Diversified Multi-Factor, while SCHD is a Dividend fund tracking the Dow Jones U.S. Dividend 100 Index. Both are passively managed. Over the past 10 years, INTF returned 9.89%/yr vs 12.72%/yr for SCHD. A 0.66 correlation means they provide meaningful diversification when combined. INTF charges 0.30%/yr vs 0.06%/yr for SCHD.

Performance

INTF vs. SCHD - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in iShares MSCI Intl Multifactor ETF (INTF) and Schwab U.S. Dividend Equity ETF (SCHD). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, INTF achieves a 9.41% return, which is significantly lower than SCHD's 17.72% return. Over the past 10 years, INTF has underperformed SCHD with an annualized return of 9.89%, while SCHD has yielded a comparatively higher 12.72% annualized return.

INTF

• 1D: -1.70%
• 1M: -0.07%
• YTD: 9.41%
• 6M: 9.06%
• 1Y: 26.10%
• 3Y*: 19.63%
• 5Y*: 9.83%
• 10Y*: 9.89%

SCHD

• 1D: 0.41%
• 1M: -2.47%
• YTD: 17.72%
• 6M: 17.25%
• 1Y: 24.56%
• 3Y*: 14.60%
• 5Y*: 8.71%
• 10Y*: 12.72%

*Multi-year figures are annualized to reflect compound growth (CAGR)

INTF vs. SCHD - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
INTF iShares MSCI Intl Multifactor ETF	9.41%	35.50%	5.99%	18.25%	-12.31%	11.70%	2.83%	18.46%	-15.87%	28.46%
SCHD Schwab U.S. Dividend Equity ETF	17.72%	4.34%	11.66%	4.54%	-3.26%	29.87%	15.03%	27.29%	-5.56%	20.85%

Correlation

The correlation between INTF and SCHD is 0.46, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.46
Correlation (3Y) Calculated over the trailing 3-year period	0.55
Correlation (5Y) Calculated over the trailing 5-year period	0.65
Correlation (10Y) Calculated over the trailing 10-year period	0.67
Correlation (All Time) Calculated using the full available price history since May 4, 2015	0.66

The correlation between INTF and SCHD shifts across timeframes, from 0.46 (1 year) to 0.67 (10 years), reflecting how their relationship changes across market environments.

INTF vs. SCHD - Sectors Allocation Comparison

Sectors	INTF	SCHD
Financial Services	26.5%	9.1%
Industrials	19.0%	7.4%
Technology	9.9%	19.4%
Consumer Cyclical	8.5%	6.7%
Healthcare	7.9%	18.4%
Basic Materials	6.8%	1.2%
Consumer Defensive	6.0%	18.5%
Energy	5.1%	14.6%
Utilities	3.9%	0.0%
Communication Services	3.2%	6.0%
Real Estate	2.5%	-

Return for Risk

INTF vs. SCHD — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

INTF

INTF Risk / Return Rank: 55
INTF Sharpe Ratio Rank: 54
INTF Sortino Ratio Rank: 53
INTF Omega Ratio Rank: 52
INTF Calmar Ratio Rank: 55
INTF Martin Ratio Rank: 60

SCHD

SCHD Risk / Return Rank: 77
SCHD Sharpe Ratio Rank: 72
SCHD Sortino Ratio Rank: 80
SCHD Omega Ratio Rank: 70
SCHD Calmar Ratio Rank: 90
SCHD Martin Ratio Rank: 71

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

INTF vs. SCHD - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for iShares MSCI Intl Multifactor ETF (INTF) and Schwab U.S. Dividend Equity ETF (SCHD). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	INTF	SCHD	Difference
Sharpe ratio: Return per unit of total volatility	1.75	2.23	-0.48
Sortino ratio: Return per unit of downside risk	2.44	3.40	-0.96
Omega ratio: Gain probability vs. loss probability	1.31	1.40	-0.08
Calmar ratio: Return relative to maximum drawdown	2.57	5.35	-2.78
Martin ratio: Return relative to average drawdown	10.17	12.94	-2.76

INTF vs. SCHD - Sharpe Ratio Comparison

The current INTF Sharpe Ratio is 1.75, which is comparable to the SCHD Sharpe Ratio of 2.23. The chart below compares the historical Sharpe Ratios of INTF and SCHD, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

INTF vs. SCHD - Drawdown Comparison

The maximum INTF drawdown since its inception was -40.39%, which is greater than SCHD's maximum drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for INTF and SCHD.

Drawdown Indicators

	INTF	SCHD	Difference
Max Drawdown Largest peak-to-trough decline	-40.39%	-33.37%	-7.02%
Max Drawdown (1Y) Largest decline over 1 year	-10.20%	-4.61%	-5.59%
Max Drawdown (3Y) Largest decline over 3 years	-13.64%	-16.13%	+2.49%
Max Drawdown (5Y) Largest decline over 5 years	-29.26%	-16.85%	-12.41%
Max Drawdown (10Y) Largest decline over 10 years	-40.39%	-33.37%	-7.02%
Current Drawdown Current decline from peak	-1.98%	-2.47%	+0.49%
Average Drawdown Average peak-to-trough decline	-7.66%	-3.31%	-4.35%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.57%	1.90%	+0.67%

Volatility

INTF vs. SCHD - Volatility Comparison

iShares MSCI Intl Multifactor ETF (INTF) has a higher volatility of 4.65% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 3.58%. This indicates that INTF's price experiences larger fluctuations and is considered to be riskier than SCHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	INTF	SCHD	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.65%	3.58%	+1.07%
Volatility (6M) Calculated over the trailing 6-month period	12.58%	7.73%	+4.85%
Volatility (1Y) Calculated over the trailing 1-year period	14.98%	11.07%	+3.91%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	16.22%	14.36%	+1.86%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	17.12%	16.71%	+0.41%

INTF vs. SCHD - Expense Ratio Comparison

INTF has a 0.30% expense ratio, which is higher than SCHD's 0.06% expense ratio.

Dividends

INTF vs. SCHD - Dividend Comparison

INTF's dividend yield for the trailing twelve months is around 3.06%, less than SCHD's 3.30% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
INTF iShares MSCI Intl Multifactor ETF	3.06%	2.87%	3.53%	3.59%	2.81%	5.38%	2.06%	3.65%	2.62%	3.26%	1.66%	0.85%
SCHD Schwab U.S. Dividend Equity ETF	3.30%	3.82%	3.64%	3.49%	3.39%	2.78%	3.16%	2.98%	3.06%	2.63%	2.89%	2.97%

Frequently Asked Questions

Can I hold both INTF and SCHD in my portfolio?

INTF and SCHD have a correlation of 0.46, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, INTF or SCHD?

INTF has higher volatility (4.65%) compared to SCHD (3.58%). In terms of maximum drawdown, INTF dropped -40.39% vs SCHD's -33.37%.

Which ETF is better, INTF or SCHD?

On 10-year performance, SCHD leads with 12.72% vs 9.89% for INTF. On fees, SCHD is cheaper at 0.06% per year. On volatility, SCHD has been the lower-risk option at 3.58%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, INTF or SCHD?

Over the 10-year period, SCHD has performed better with a 12.72% return vs 9.89%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, INTF or SCHD?

SCHD is cheaper with a 0.06% expense ratio, compared with 0.30% for INTF.

Which ETF pays a higher dividend yield, INTF or SCHD?

SCHD has the higher dividend yield at 3.30%, compared with 3.06% for INTF.

What is the main difference between INTF and SCHD?

INTF is categorized as Foreign Large Cap Equities, while SCHD is Dividend. INTF tracks MSCI World ex USA Diversified Multi-Factor, while SCHD tracks Dow Jones U.S. Dividend 100 Index. They also come from different issuers: iShares and Charles Schwab. Their fees differ too: 0.30% for INTF and 0.06% for SCHD.

Which has better risk-adjusted returns?

SCHD currently has the higher Sharpe Ratio (2.23 vs 1.75), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.