MBCC vs SCHD
Monarch Blue Chips Core Index ETF vs Schwab US Dividend Equity ETF
Which is better, MBCC or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 44.5%.
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 | MBCC | SCHD |
|---|---|---|
| Expense Ratio | 1.14% | 0.06%Best |
| AUM | $184M | $112.1B |
| Dividend Yield | 0.35% | 3.00% |
| Holdings | 26 | 103 |
| Volatility (annualized) | 16.5% | 14.4%Best |
| Max Drawdown | -30.6% | -16.9%Best |
| $10,000 over 5.2 years | $16,253 | $16,338Best |
| Top 10 Weight | 44.5% | 41.8%Best |
| Fund Family | Monarch Funds | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Mar 23, 2021 | Oct 20, 2011 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized).
The two price series end 111 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. MBCC has data through Jun 2, 2026 and SCHD through Sep 21, 2026.
Volatility and max drawdown, and the $10,000 over 5.2 years row, are measured over the window both funds cover: Mar 24, 2021 to Jun 2, 2026 (5.2 years).
Risk: Volatility and Drawdowns
MBCC has been the more volatile fund, with annualized monthly volatility of 16.5% compared with 14.4% 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 -30.6% for MBCC and -16.9% 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 0.68. They move together some of the time, and apart the rest.
Fees and Cost Over Time
MBCC charges 1.14% per year while SCHD charges 0.06%. On a $10,000 position that is $114 vs $6 annually, a gap of $108 per year that compounds over a long holding period. On income, MBCC currently yields 0.35% against 3.00% for SCHD.
Holdings Overlap
8.0% of MBCC's money is in holdings SCHD also owns. 7.8% of SCHD's money is in holdings MBCC also owns.
MBCC and SCHD share little of their money.
The two holdings books were reported 153 days apart, MBCC as of Mar 31, 2026 and SCHD as of Aug 31, 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 24 positions we hold weights for in MBCC and 100 in SCHD, against full books of 26 and 103.
What only one of them owns
Our book lists 97 positions for SCHD that do not appear in our book for MBCC (92.1% of the fund), and 22 for MBCC that do not appear in SCHD (91.9%).
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 MBCC 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, MBCC or SCHD?
MBCC has an expense ratio of 1.14% while SCHD charges 0.06%. SCHD is the cheaper option, by $108 a year on a $10,000 investment.
Which is riskier, MBCC or SCHD?
MBCC has been the more volatile fund at 16.5% annualized versus 14.4% for SCHD. Worst drawdown: MBCC -30.6% vs SCHD -16.9%.
Should I hold both MBCC and SCHD?
MBCC and SCHD have a monthly-return correlation of 0.68, 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 MBCC and SCHD?
8.0% of MBCC's money is in holdings SCHD also owns. 7.8% of SCHD's is in holdings MBCC also owns. They hold 2 positions in common, counted across the 24 positions we hold weights for in MBCC and 100 in SCHD.
Which pays a higher dividend, MBCC or SCHD?
MBCC yields 0.35% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than MBCC?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 44.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.