MFUL vs SCHD
Mindful Conservative ETF vs Schwab US Dividend Equity ETF
Which is better, MFUL or SCHD?
Allocation/Balanced against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 76.1%.
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 | MFUL | SCHD |
|---|---|---|
| Expense Ratio | 1.48% | 0.06%Best |
| AUM | $7M | $112.1B |
| Dividend Yield | 2.39% | 3.00% |
| Holdings | 17 | 103 |
| YTD Return | +2.68% | +25.88%Best |
| 1Y Return | +3.04% | +30.22%Best |
| 3Y Return (annualized) | +5.03% | +16.05%Best |
| 5Y Return (annualized) | - | +10.17% |
| Volatility (annualized) | 4.9%Best | 14.9% |
| Max Drawdown | -16.4%Best | -16.9% |
| $10,000 over 4.9 years | $9,966 | $15,579Best |
| Top 10 Weight | 76.1% | 41.8%Best |
| Fund Family | Mohr Funds | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Value |
| Inception | Nov 2, 2021 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 4.9 years row, are measured over the window both funds cover: Nov 3, 2021 to Sep 14, 2026 (4.9 years).
MFUL vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4.9 years both funds cover.
MFUL vs SCHD Performance
Mindful Conservative ETF (MFUL) is an ETF from Mohr Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year MFUL returned +3.04% while SCHD returned +30.22%. Year to date, MFUL is up 2.68% versus a gain of 25.88% for SCHD.
Over three years, MFUL compounded at +5.03% per year against +16.05% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.9% compared with 4.9% for MFUL. 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 -16.4% for MFUL 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 0.61. They move together some of the time, and apart the rest.
Fees and Cost Over Time
MFUL charges 1.48% per year while SCHD charges 0.06%. On a $10,000 position that is $148 vs $6 annually, a gap of $142 per year that compounds over a long holding period. On income, MFUL currently yields 2.39% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 16 holdings in MFUL and 100 in SCHD, totalling 100.0% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 16 positions we hold weights for in MFUL and 100 in SCHD, against full books of 17 and 103.
What only one of them owns
Measured across the 16 and 100 positions we hold weights for.
SCHD holds 99 positions MFUL does not, 99.9% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
You are not choosing between two funds in isolation.
Whichever of MFUL 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, MFUL or SCHD?
MFUL has an expense ratio of 1.48% while SCHD charges 0.06%. SCHD is the cheaper option, by $142 a year on a $10,000 investment.
Which performed better, MFUL or SCHD?
Over the past year MFUL returned +3.04% vs +30.22% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, MFUL or SCHD?
SCHD has been the more volatile fund at 14.9% annualized versus 4.9% for MFUL. Worst drawdown: MFUL -16.4% vs SCHD -16.9%.
Should I hold both MFUL and SCHD?
MFUL and SCHD have a monthly-return correlation of 0.61, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, MFUL or SCHD?
MFUL yields 2.39% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than MFUL?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 76.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.