MBSF vs SCHD
REGAN FLOATING RATE MBS ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. MBSF offers more diversification with 416 holdings.
Side-by-Side Comparison
| Metric | MBSF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $245M | $112.2B | |
| Dividend Yield | 4.43% | 3.13% | |
| Holdings | 416 | 103 | |
| YTD Return | +2.41% | +27.89% | |
| 1Y Return | +4.82% | +29.93% | |
| 3Y Return (annualized) | - | +16.13% | |
| 5Y Return (annualized) | - | +10.00% | |
| Volatility (annualized) | 1.4% | 13.6% | |
| Max Drawdown | -1.0% | -33.4% | |
| Fund Family | Regan Capital | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 27, 2024 | Oct 20, 2011 |
MBSF vs SCHD Performance
REGAN FLOATING RATE MBS ETF (MBSF) is a ETF from Regan Capital and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MBSF returned +4.82% while SCHD returned +29.93%. Year to date, MBSF is up 2.41% versus a gain of 27.89% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.4% for MBSF. 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 -1.0% for MBSF 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 0.21. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MBSF charges 0.49% per year while SCHD charges 0.06%. On a $10,000 position that is $49 vs $6 annually, a gap of $43 per year that compounds over a long holding period. On income, MBSF currently yields 4.43% against 3.13% for SCHD.
Holdings Overlap
MBSF and SCHD share 0 holdings out of 128 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, MBSF or SCHD?
MBSF has an expense ratio of 0.49% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, MBSF or SCHD?
Over the past year MBSF returned +4.82% vs +29.93% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), MBSF annualized +5.63% vs +11.56% for SCHD. Past performance does not guarantee future results.
Which is riskier, MBSF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.4% for MBSF. Worst drawdown: MBSF -1.0% vs SCHD -33.4%.
Should I hold both MBSF and SCHD?
MBSF and SCHD have a monthly-return correlation of 0.21, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MBSF and SCHD?
MBSF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 128 unique securities.
Which pays a higher dividend, MBSF or SCHD?
MBSF yields 4.43% while SCHD yields 3.13%, so MBSF currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.