MBSX vs SCHD
Regan Fixed Rate MBS 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 | MBSX | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.40% | 0.06% | |
| AUM | $20M | $103.7B | |
| Dividend Yield | 3.59% | 3.31% | |
| Holdings | 84 | 104 | |
| YTD Return | -0.43% | +25.58% | |
| 1Y Return | +3.87% | +31.06% | |
| 3Y Return (annualized) | - | +15.55% | |
| 5Y Return (annualized) | - | +9.61% | |
| Volatility (annualized) | 36.3% | 13.6% | |
| Max Drawdown | -27.6% | -33.4% | |
| Fund Family | Regan Capital | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | May 1, 2025 | Oct 20, 2011 |
MBSX vs SCHD Performance
Regan Fixed Rate MBS ETF (MBSX) 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 MBSX returned +3.87% while SCHD returned +31.06%. Year to date, MBSX is down 0.43% versus a gain of 25.58% for SCHD.
Risk: Volatility and Drawdowns
MBSX has been the more volatile fund, with annualized monthly volatility of 36.3% 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 -27.6% for MBSX 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 0.04. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MBSX charges 0.40% per year while SCHD charges 0.06%. On a $10,000 position that is $40 vs $6 annually, a gap of $34 per year that compounds over a long holding period. On income, MBSX currently yields 3.59% against 3.31% for SCHD.
Holdings Overlap
MBSX and SCHD share 0 holdings out of 103 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, MBSX or SCHD?
MBSX has an expense ratio of 0.40% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $34 per year of difference.
Which performed better, MBSX or SCHD?
Over the past year MBSX returned +3.87% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), MBSX annualized +6.56% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, MBSX or SCHD?
MBSX has been the more volatile fund at 36.3% annualized versus 13.6% for SCHD. Worst drawdown: MBSX -27.6% vs SCHD -33.4%.
Should I hold both MBSX and SCHD?
MBSX and SCHD have a monthly-return correlation of 0.04, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MBSX and SCHD?
MBSX and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 103 unique securities.
Which pays a higher dividend, MBSX or SCHD?
MBSX yields 3.59% while SCHD yields 3.31%, so MBSX currently pays the higher dividend yield.
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