EPMB vs SCHD
Harbor Mid Cap Core 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 | EPMB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.88% | 0.06% | |
| AUM | $5M | $103.7B | |
| Dividend Yield | 1.53% | 3.31% | |
| Holdings | 60 | 104 | |
| YTD Return | +16.05% | +25.33% | |
| 1Y Return | +29.32% | +32.31% | |
| 3Y Return (annualized) | - | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 12.5% | 13.6% | |
| Max Drawdown | -8.9% | -33.4% | |
| Fund Family | Harbor Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 1, 2025 | Oct 20, 2011 |
EPMB vs SCHD Performance
Harbor Mid Cap Core ETF (EPMB) is a ETF from Harbor Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year EPMB returned +29.32% while SCHD returned +32.31%. Year to date, EPMB is up 16.05% versus a gain of 25.33% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.5% for EPMB. 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 -8.9% for EPMB 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EPMB charges 0.88% per year while SCHD charges 0.06%. On a $10,000 position that is $88 vs $6 annually, a gap of $82 per year that compounds over a long holding period. On income, EPMB currently yields 1.53% against 3.31% for SCHD.
Holdings Overlap
EPMB and SCHD share 7 holdings out of 152 unique holdings combined, representing a 3.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EPMB or SCHD?
EPMB has an expense ratio of 0.88% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $82 per year of difference.
Which performed better, EPMB or SCHD?
Over the past year EPMB returned +29.32% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), EPMB annualized +28.54% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, EPMB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 12.5% for EPMB. Worst drawdown: EPMB -8.9% vs SCHD -33.4%.
Should I hold both EPMB and SCHD?
EPMB and SCHD have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EPMB and SCHD?
EPMB and SCHD share 7 common holdings with a 3.7% weight overlap. Combined, they hold 152 unique securities.
Which pays a higher dividend, EPMB or SCHD?
EPMB yields 1.53% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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