CNAV vs SCHD
CNAV vs SCHD
Mohr Company Nav ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. CNAV delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | CNAV | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.31% | 0.06% | |
| AUM | $48M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 33 | 104 | |
| YTD Return | +24.25% | +24.26% | |
| 1Y Return | +37.83% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 33.0% | 13.6% | |
| Max Drawdown | -30.1% | -33.4% | |
| Fund Family | Mohr Funds | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Oct 1, 2024 | Oct 20, 2011 |
CNAV vs SCHD Performance
Mohr Company Nav ETF (CNAV) is a ETF from Mohr Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year CNAV returned +37.83% while SCHD returned +31.38%. Year to date, CNAV is up 24.25% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
CNAV has been the more volatile fund, with annualized monthly volatility of 33.0% 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 -30.1% for CNAV 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 0.15. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CNAV charges 1.31% per year while SCHD charges 0.06%. On a $10,000 position that is $131 vs $6 annually, a gap of $125 per year that compounds over a long holding period. On income, CNAV currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
CNAV and SCHD share 1 holdings out of 129 unique holdings combined, representing a 3.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in CNAV | Weight in SCHD | Difference |
|---|---|---|---|
| TXN | 3.17% | 3.70% | 0.53% |
Frequently Asked Questions
Which is cheaper, CNAV or SCHD?
CNAV has an expense ratio of 1.31% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $125 per year of difference.
Which performed better, CNAV or SCHD?
Over the past year CNAV returned +37.83% vs +31.38% for SCHD, so CNAV leads on 1-year performance. Over the longest common window we track (2 years), CNAV annualized +27.27% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, CNAV or SCHD?
CNAV has been the more volatile fund at 33.0% annualized versus 13.6% for SCHD. Worst drawdown: CNAV -30.1% vs SCHD -33.4%.
Should I hold both CNAV and SCHD?
CNAV and SCHD have a monthly-return correlation of 0.15, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CNAV and SCHD?
CNAV and SCHD share 1 common holdings with a 3.2% weight overlap. Combined, they hold 129 unique securities.
Which pays a higher dividend, CNAV or SCHD?
CNAV yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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