FTMU vs SCHD
Franklin Municipal Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. FTMU offers more diversification with 265 holdings.
Side-by-Side Comparison
| Metric | FTMU | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.06% | |
| AUM | $468M | $108.7B | |
| Dividend Yield | 3.69% | 3.13% | |
| Holdings | 265 | 104 | |
| YTD Return | +1.51% | +28.70% | |
| 1Y Return | - | +31.07% | |
| 3Y Return (annualized) | - | +16.88% | |
| 5Y Return (annualized) | - | +10.20% | |
| Volatility (annualized) | - | 13.7% | |
| Max Drawdown | -3.1% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Dec 31, 1976 | Oct 20, 2011 |
FTMU vs SCHD Performance
Franklin Municipal Income ETF (FTMU) is a ETF from Franklin Templeton Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, FTMU is up 1.51% versus a gain of 28.70% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -3.1% for FTMU and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
FTMU charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, FTMU currently yields 3.69% against 3.13% for SCHD.
Holdings Overlap
FTMU and SCHD share 0 holdings out of 185 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, FTMU or SCHD?
FTMU has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
What is the holdings overlap between FTMU and SCHD?
FTMU and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 185 unique securities.
Which pays a higher dividend, FTMU or SCHD?
FTMU yields 3.69% while SCHD yields 3.13%, so FTMU currently pays the higher dividend yield.
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