MOOD vs SCHD
Relative Sentiment Tactical Allocation 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 | MOOD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.73% | 0.06% | |
| AUM | $131M | $103.7B | |
| Dividend Yield | 0.36% | 3.31% | |
| Holdings | 10 | 104 | |
| YTD Return | +14.88% | +25.33% | |
| 1Y Return | +31.82% | +32.31% | |
| 3Y Return (annualized) | +21.35% | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 12.5% | 13.6% | |
| Max Drawdown | -14.3% | -33.4% | |
| Fund Family | Relative Sentiment technologies | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | May 19, 2022 | Oct 20, 2011 |
MOOD vs SCHD Performance
Relative Sentiment Tactical Allocation ETF (MOOD) is a ETF from Relative Sentiment technologies and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MOOD returned +31.82% while SCHD returned +32.31%. Year to date, MOOD is up 14.88% versus a gain of 25.33% for SCHD.
Over three years, MOOD compounded at +21.35% per year against +15.40% for SCHD. Across the full 4-year window we track, MOOD has the edge at +16.01% annualized vs +11.45%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 12.5% for MOOD. 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 -14.3% for MOOD 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
MOOD charges 0.73% per year while SCHD charges 0.06%. On a $10,000 position that is $73 vs $6 annually, a gap of $67 per year that compounds over a long holding period. On income, MOOD currently yields 0.36% against 3.31% for SCHD.
Holdings Overlap
MOOD and SCHD share 0 holdings out of 109 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, MOOD or SCHD?
MOOD has an expense ratio of 0.73% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $67 per year of difference.
Which performed better, MOOD or SCHD?
Over the past year MOOD returned +31.82% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), MOOD annualized +16.01% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, MOOD or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 12.5% for MOOD. Worst drawdown: MOOD -14.3% vs SCHD -33.4%.
Should I hold both MOOD and SCHD?
MOOD and SCHD have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MOOD and SCHD?
MOOD and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 109 unique securities.
Which pays a higher dividend, MOOD or SCHD?
MOOD yields 0.36% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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