IVOO vs SCHM Stock Comparison: AI Score, Valuation, Performance and Upside
IVOO and SCHM both target mid-cap blend exposure but take different paths to get there — IVOO via the S&P MidCap 400 Index, and SCHM via the Dow Jones U.S. Mid-Cap Total Stock Market Index. The practical differences come down to issuer, cost structure, and the specific index rules each fund follows, since both are pursuing a similar investment outcome.
IVOO vs SCHM is largely a question of which issuer and index methodology you trust more for mid-cap blend exposure — the underlying investment case is similar, so cost, liquidity, and tracking precision tend to be the deciding factors.
SCHM holds the edge across 4 of 5 key metrics in this comparison. SCHM has delivered stronger 1-year price return (+19.53% vs +14.27% for IVOO).
- want the low-cost alternative to the original mid-cap 400 ETF
- prefer Vanguard's approach and fund lineup
- value much lower expense ratio than the original MDY
- are comfortable with smaller trading volume and thinner options market than MDY
- want the cheapest mid-cap core holding for Schwab investors
- prefer Charles Schwab's approach and fund lineup
- value one of the lowest expense ratios among mid-cap ETFs
- are comfortable with smaller asset base and volume than IJH or MDY
| Metric | IVOO | SCHM |
|---|---|---|
| ETF scorei | 70.0 | 76.0 |
| Latest closei | $123.52 | $34.54 |
| 1M returni | -4.46% | -3.78% |
| 6M returni | +11.00% | +14.72% |
| 1Y returni | +14.27% | +19.53% |
The ETF score weights long-term returns and risk-adjusted performance most heavily, but still rewards low expense ratios, larger fund size, and broader diversification — so it can favor low-cost, broad, mega-cap funds over smaller thematic or actively-managed funds even when the latter have delivered stronger returns.
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | IVOO | SCHM |
|---|---|---|
| 1Y ago | $11.57K (+15.7%) started 2025-09-25 | $12.12K (+21.2%) started 2025-09-25 |
| 5Y ago | $15.62K (+56.2%) started 2021-09-27 | $15.26K (+52.6%) started 2021-09-27 |
| 10Y ago | $31.92K (+219.2%) started 2016-09-26 | $32.61K (+226.1%) started 2016-09-26 |
Hypothetical — past performance does not guarantee future results.
| Metric | IVOO | SCHM |
|---|---|---|
| Expense ratioi | 0.07% | 0.03% |
| Total assets (AUM)i | $5.87B | $14.86B |
| Dividend yieldi | 1.18% | 1.24% |
| Trailing P/Ei | 20.09 | 21.37 |
| Betai | 1.04 | 1.07 |
| 52-week change | 14.27% | 19.53% |
| Metric | IVOO | SCHM |
|---|---|---|
| 1Y returni | +14.27% | +19.53% |
| 6M returni | +11.00% | +14.72% |
| 1M returni | -4.46% | -3.78% |
| 1Y Sharpe ratio | 0.66 | 0.89 |
| Betai | 1.04 | 1.07 |
| Dividend yieldi | 1.18% | 1.24% |
| 5Y CAGR | +7.66% | +7.13% |
Over the past year, IVOO and SCHM have moved strongly in the same direction (correlation of 0.96), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | IVOO | SCHM |
|---|---|---|---|
| 1Y | Growthi | +14.27% | +19.53% |
| CAGRi | +14.28% | +19.55% | |
| Volatilityi | 15.32% | 16.69% | |
| Sharpe ratioi | 0.66 | 0.89 | |
| Sortino ratioi | 0.97 | 1.31 | |
| Max drawdowni | 8.81% | 9.32% | |
| Current drawdowni | 6.90% | 5.97% | |
| Avg drawdowni | 1.99% | 2.17% | |
| Ulcer Indexi | 2.89% | 3.02% | |
| Max daily dropi | 2.86% | 2.73% | |
| Max wkly dropi | 4.54% | 4.56% | |
| 5Y | Growthi | +44.56% | +41.03% |
| CAGRi | +7.66% | +7.13% | |
| Volatilityi | 19.62% | 19.71% | |
| Sharpe ratioi | 0.25 | 0.22 | |
| Sortino ratioi | 0.35 | 0.31 | |
| Max drawdowni | 24.08% | 26.46% | |
| Current drawdowni | 6.90% | 5.97% | |
| Avg drawdowni | 7.00% | 8.45% | |
| Ulcer Indexi | 9.08% | 11.02% | |
| Max daily dropi | 6.72% | 6.59% | |
| Max wkly dropi | 12.77% | 12.88% | |
| 10Y | Growthi | +174.46% | +177.83% |
| CAGRi | +10.63% | +10.76% | |
| Volatilityi | 21.14% | 20.50% | |
| Sharpe ratioi | 0.37 | 0.38 | |
| Sortino ratioi | 0.52 | 0.53 | |
| Max drawdowni | 42.33% | 42.43% | |
| Current drawdowni | 6.90% | 5.97% | |
| Avg drawdowni | 5.91% | 6.41% | |
| Ulcer Indexi | 8.57% | 9.55% | |
| Max daily dropi | 14.45% | 13.96% | |
| Max wkly dropi | 22.37% | 21.94% |
| Category | IVOO | SCHM |
|---|---|---|
| Fund name | Vanguard S&P Mid-Cap 400 Index Fund ETF Shares | Schwab U.S. Mid-Cap ETF |
| Type | ETF | ETF |
| Expense ratioi | 0.07% | 0.03% |
| Total assets (AUM)i | $5.87B | $14.86B |
| Dividend yieldi | 1.18% | 1.24% |
- Much lower expense ratio than the original MDY
- Same profitability-screened S&P MidCap 400 exposure
- Vanguard's index-tracking efficiency
- One of the lowest expense ratios among mid-cap ETFs
- No commission through Schwab brokerage accounts
- Broad mid-cap coverage similar to the S&P MidCap 400
- Smaller trading volume and thinner options market than MDY
- Mid-cap volatility is inherent to the category, not fund-specific
- Newer fund with a shorter live track record
- Smaller asset base and volume than IJH or MDY
- Mid-caps carry more volatility than large-cap blends
- Tracks a slightly different index than the S&P 400, causing minor return divergence
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