CMCI vs SCHD
VanEck CMCI Commodity Strategy ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 103 holdings.
Side-by-Side Comparison
| Metric | CMCI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.67% | 0.06% | |
| AUM | $3M | $112.2B | |
| Dividend Yield | 8.12% | 3.13% | |
| Holdings | 19 | 103 | |
| YTD Return | +31.03% | +28.59% | |
| 1Y Return | +22.97% | +31.77% | |
| 3Y Return (annualized) | +8.81% | +16.70% | |
| 5Y Return (annualized) | +9.57% | +10.09% | |
| Volatility (annualized) | 13705943.7% | 13.6% | |
| Max Drawdown | -100.0% | -33.4% | |
| Fund Family | VanEck | Charles Schwab Asset Management | |
| Category | Commodity | Equity | |
| Inception | Aug 21, 2023 | Oct 20, 2011 |
CMCI vs SCHD Performance
VanEck CMCI Commodity Strategy ETF (CMCI) is a ETF from VanEck and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CMCI returned +22.97% while SCHD returned +31.77%. Year to date, CMCI is up 31.03% versus a gain of 28.59% for SCHD.
Over three years, CMCI compounded at +8.81% per year against +16.70% for SCHD; over five years the annualized figures are +9.57% and +10.09% respectively. Across the full 15-year window we track, CMCI has the edge at +29.82% annualized vs +11.59%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CMCI has been the more volatile fund, with annualized monthly volatility of 13705943.7% 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 -100.0% for CMCI 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 -0.06. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CMCI charges 0.67% per year while SCHD charges 0.06%. On a $10,000 position that is $67 vs $6 annually, a gap of $61 per year that compounds over a long holding period. On income, CMCI currently yields 8.12% against 3.13% for SCHD.
Holdings Overlap
CMCI and SCHD share 0 holdings out of 103 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, CMCI or SCHD?
CMCI has an expense ratio of 0.67% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $61 per year of difference.
Which performed better, CMCI or SCHD?
Over the past year CMCI returned +22.97% vs +31.77% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), CMCI annualized +29.82% vs +11.59% for SCHD. Past performance does not guarantee future results.
Which is riskier, CMCI or SCHD?
CMCI has been the more volatile fund at 13705943.7% annualized versus 13.6% for SCHD. Worst drawdown: CMCI -100.0% vs SCHD -33.4%.
Should I hold both CMCI and SCHD?
CMCI and SCHD have a monthly-return correlation of -0.06, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CMCI and SCHD?
CMCI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 103 unique securities.
Which pays a higher dividend, CMCI or SCHD?
CMCI yields 8.12% while SCHD yields 3.13%, so CMCI currently pays the higher dividend yield.
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