CMDY vs SCHD
iShares Bloomberg Roll Select Commodity Strategy ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. CMDY delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | CMDY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.28% | 0.06% | |
| AUM | $627M | $108.7B | |
| Dividend Yield | 10.67% | 3.13% | |
| Holdings | 83 | 104 | |
| YTD Return | +24.11% | +26.54% | |
| 1Y Return | +37.35% | +30.90% | |
| 3Y Return (annualized) | +13.82% | +16.29% | |
| 5Y Return (annualized) | +10.34% | +9.65% | |
| Volatility (annualized) | 13.8% | 13.6% | |
| Max Drawdown | -31.2% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Commodity | Equity | |
| Inception | Apr 3, 2018 | Oct 20, 2011 |
CMDY vs SCHD Performance
iShares Bloomberg Roll Select Commodity Strategy ETF (CMDY) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CMDY returned +37.35% while SCHD returned +30.90%. Year to date, CMDY is up 24.11% versus a gain of 26.54% for SCHD.
Over three years, CMDY compounded at +13.82% per year against +16.29% for SCHD; over five years the annualized figures are +10.34% and +9.65% respectively. Across the full 8-year window we track, SCHD has the edge at +11.51% annualized vs +7.84%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CMDY has been the more volatile fund, with annualized monthly volatility of 13.8% 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 -31.2% for CMDY 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CMDY charges 0.28% per year while SCHD charges 0.06%. On a $10,000 position that is $28 vs $6 annually, a gap of $22 per year that compounds over a long holding period. On income, CMDY currently yields 10.67% against 3.13% for SCHD.
Holdings Overlap
CMDY and SCHD share 0 holdings out of 101 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, CMDY or SCHD?
CMDY has an expense ratio of 0.28% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $22 per year of difference.
Which performed better, CMDY or SCHD?
Over the past year CMDY returned +37.35% vs +30.90% for SCHD, so CMDY leads on 1-year performance. Over the longest common window we track (8 years), CMDY annualized +7.84% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, CMDY or SCHD?
CMDY has been the more volatile fund at 13.8% annualized versus 13.6% for SCHD. Worst drawdown: CMDY -31.2% vs SCHD -33.4%.
Should I hold both CMDY and SCHD?
CMDY and SCHD have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CMDY and SCHD?
CMDY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, CMDY or SCHD?
CMDY yields 10.67% while SCHD yields 3.13%, so CMDY currently pays the higher dividend yield.
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