EMSF vs SCHD
Matthews Emerging Markets Sustainable Future Active ETF vs Schwab US Dividend Equity ETF
Which is better, EMSF or SCHD?
All Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. EMSF led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 49.7%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | EMSF | SCHD |
|---|---|---|
| Expense Ratio | 0.79% | 0.06%Best |
| AUM | $45M | $108.9B |
| Dividend Yield | 1.35% | 3.00% |
| Holdings | 58 | 206 |
| YTD Return | +35.04%Best | +22.08% |
| 1Y Return | +35.97%Best | +26.66% |
| 3Y Return (annualized) | +17.95%Best | +16.06% |
| 5Y Return (annualized) | - | +9.39% |
| Volatility (annualized) | 22.1% | 13.6%Best |
| Max Drawdown | -24.8% | -16.1%Best |
| $10,000 over 3 years | $16,268Best | $15,408 |
| Top 10 Weight | 49.7% | 41.8%Best |
| Fund Family | Matthews Asia Funds | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | All Cap Blend | Large Cap Value |
| Inception | Sep 21, 2023 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3 years row, are measured over the window both funds cover: Sep 22, 2023 to Oct 9, 2026 (3 years).
EMSF vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3 years both funds cover.
EMSF vs SCHD Performance
Matthews Emerging Markets Sustainable Future Active ETF (EMSF) is an ETF from Matthews Asia Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year EMSF returned +35.97% while SCHD returned +26.66%. Year to date, EMSF is up 35.04% versus a gain of 22.08% for SCHD.
Over three years, EMSF compounded at +17.95% per year against +16.06% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EMSF has been the more volatile fund, with annualized monthly volatility of 22.1% 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 -24.8% for EMSF and -16.1% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.29. They move largely independently of each other.
Fees and Cost Over Time
EMSF charges 0.79% per year while SCHD charges 0.06%. On a $10,000 position that is $79 vs $6 annually, a gap of $73 per year that compounds over a long holding period. On income, EMSF currently yields 1.35% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 57 holdings in EMSF and 99 in SCHD, totalling 100.0% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 57 positions we hold weights for in EMSF and 99 in SCHD, against full books of 58 and 206.
What only one of them owns
Our book lists 98 positions for SCHD that do not appear in our book for EMSF (99.9% of the fund), and 4 for EMSF that do not appear in SCHD (12.4%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of EMSF and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, EMSF or SCHD?
EMSF has an expense ratio of 0.79% while SCHD charges 0.06%. SCHD is the cheaper option, by $73 a year on a $10,000 investment.
Which performed better, EMSF or SCHD?
Over the past year EMSF returned +35.97% vs +26.66% for SCHD, so EMSF leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, EMSF or SCHD?
EMSF has been the more volatile fund at 22.1% annualized versus 13.6% for SCHD. Worst drawdown: EMSF -24.8% vs SCHD -16.1%.
Should I hold both EMSF and SCHD?
EMSF and SCHD have a monthly-return correlation of 0.29, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, EMSF or SCHD?
EMSF yields 1.35% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than EMSF?
SCHD has a lower expense ratio. EMSF led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 49.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.