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 100 holdings.
Side-by-Side Comparison
| Metric | CMCI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.67% | 0.06% | |
| AUM | $3M | $103.7B | |
| Dividend Yield | 8.63% | 3.31% | |
| Holdings | 19 | 104 | |
| YTD Return | +25.39% | +25.62% | |
| 1Y Return | +19.98% | +32.62% | |
| 3Y Return (annualized) | +8.16% | +15.58% | |
| 5Y Return (annualized) | +8.16% | +9.63% | |
| Volatility (annualized) | 13752483.6% | 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 +19.98% while SCHD returned +32.62%. Year to date, CMCI is up 25.39% versus a gain of 25.62% for SCHD.
Over three years, CMCI compounded at +8.16% per year against +15.58% for SCHD; over five years the annualized figures are +8.16% and +9.63% respectively. Across the full 15-year window we track, CMCI has the edge at +29.59% annualized vs +11.47%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CMCI has been the more volatile fund, with annualized monthly volatility of 13752483.6% 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 8.63% against 3.31% 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 +19.98% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), CMCI annualized +29.59% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, CMCI or SCHD?
CMCI has been the more volatile fund at 13752483.6% 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 8.63% while SCHD yields 3.31%, so CMCI currently pays the higher dividend yield.
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