KMF vs SCHD

KMF vs SCHD

Which is better, KMF or SCHD?

Mid Cap Value against Large Cap Value.

SCHD has a lower expense ratio. SCHD led over 1Y and the full window.

Lower Fees: SCHDHigher Returns: SCHD

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

MetricKMFSCHD
Expense Ratio3.20%0.06%Best
AUM$501M$112.2B
Dividend Yield0.00%3.13%
Holdings39103
Volatility (annualized)34.1%13.6%Best
Max Drawdown-94.3%-33.4%Best
$10,000 over 14.7 years$9,811$47,176Best
Fund FamilyKayne Anderson Capital AdvisorsCharles Schwab Asset Management
CategoryEquityEquity
StyleMid Cap ValueLarge Cap Value
InceptionNov 24, 2010Oct 20, 2011

Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.

The two price series end 64 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. KMF has data through Jul 2, 2026 and SCHD through Sep 4, 2026.

Volatility and max drawdown, and the $10,000 over 14.7 years row, are measured over the window both funds cover: Oct 20, 2011 to Jul 2, 2026 (14.7 years).

Risk: Volatility and Drawdowns

KMF has been the more volatile fund, with annualized monthly volatility of 34.1% 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 -94.3% for KMF and -33.4% 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 0.67. They move together some of the time, and apart the rest.

Fees and Cost Over Time

KMF charges 3.20% per year while SCHD charges 0.06%. On a $10,000 position that is $320 vs $6 annually, a gap of $314 per year that compounds over a long holding period. On income, KMF currently yields 0.00% against 3.13% for SCHD.

Holdings Overlap

SCHD already in KMF1.5%

At least 1.5% of SCHD's money is in holdings KMF also owns.

Only one direction is shown: for KMF, our book for it lists positions totalling 113.5% of the fund, which is what a leveraged book looks like and is not a denominator we can divide by.

SCHD and KMF share little of their money.

The two holdings books were reported 1072 days apart, KMF as of Aug 31, 2023 and SCHD as of Aug 7, 2026, so some of the difference between them is the time between the two reports rather than the funds.

2 positions in common, counted across the 31 positions we hold weights for in KMF and 100 in SCHD, against full books of 39 and 103.

Top Shared Holdings

StockWeight in KMFWeight in SCHDDifference
OKEOneok Inc.5.75%1.36%4.39%
CWENClearway Energy Inc Cl C1.55%0.10%1.45%

You are not choosing between two funds in isolation.

Whichever of KMF and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.

KMFSCHD

Free for up to 10 holdings. No account needed.

Frequently Asked Questions

Which is cheaper, KMF or SCHD?

KMF has an expense ratio of 3.20% while SCHD charges 0.06%. SCHD is the cheaper option, by $314 a year on a $10,000 investment.

Which is riskier, KMF or SCHD?

KMF has been the more volatile fund at 34.1% annualized versus 13.6% for SCHD. Worst drawdown: KMF -94.3% vs SCHD -33.4%.

Should I hold both KMF and SCHD?

KMF and SCHD have a monthly-return correlation of 0.67, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.

What is the holdings overlap between KMF and SCHD?

At least 1.5% of SCHD's money is in holdings KMF also owns. Our book for KMF is partial, so the real figure is this or higher. They hold 2 positions in common, counted across the 31 positions we hold weights for in KMF and 100 in SCHD.

Which pays a higher dividend, KMF or SCHD?

KMF yields 0.00% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.

Is SCHD better than KMF?

SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.