MSFO vs SCHD
YieldMax Microsoft Option Income Strategy ETF vs Schwab US Dividend Equity ETF
Which is better, MSFO or SCHD?
Multi Alternative against Large Cap Value.
SCHD has a lower expense ratio. MSFO led over the full window, SCHD over 1Y and 3Y.
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 | MSFO | SCHD |
|---|---|---|
| Expense Ratio | 1.03% | 0.06%Best |
| AUM | $107M | $112.1B |
| Dividend Yield | 38.51% | 3.00% |
| Holdings | 21 | 103 |
| YTD Return | +4.30% | +23.46%Best |
| 1Y Return | -0.33% | +27.20%Best |
| 3Y Return (annualized) | +14.66% | +15.41%Best |
| 5Y Return (annualized) | - | +10.16% |
| Volatility (annualized) | 23.8% | 13.6%Best |
| Max Drawdown | -29.7% | -16.1%Best |
| $10,000 over 3.1 years | $15,510Best | $15,460 |
| Fund Family | YieldMax ETF | Charles Schwab Asset Management |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Value |
| Inception | Aug 24, 2023 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.1 years row, are measured over the window both funds cover: Aug 25, 2023 to Sep 18, 2026 (3.1 years).
MSFO 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 3.1 years both funds cover.
MSFO vs SCHD Performance
YieldMax Microsoft Option Income Strategy ETF (MSFO) is an ETF from YieldMax ETF and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year MSFO returned -0.33% while SCHD returned +27.20%. Year to date, MSFO is up 4.30% versus a gain of 23.46% for SCHD.
Over three years, MSFO compounded at +14.66% per year against +15.41% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MSFO has been the more volatile fund, with annualized monthly volatility of 23.8% 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 -29.7% for MSFO and -16.1% 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 0.09. They move largely independently of each other.
Fees and Cost Over Time
MSFO charges 1.03% per year while SCHD charges 0.06%. On a $10,000 position that is $103 vs $6 annually, a gap of $97 per year that compounds over a long holding period. On income, MSFO currently yields 38.51% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 2 holdings in MSFO and 100 in SCHD, totalling 25.5% 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 2 positions we hold weights for in MSFO and 100 in SCHD, against full books of 21 and 103.
You are not choosing between two funds in isolation.
Whichever of MSFO 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, MSFO or SCHD?
MSFO has an expense ratio of 1.03% while SCHD charges 0.06%. SCHD is the cheaper option, by $97 a year on a $10,000 investment.
Which performed better, MSFO or SCHD?
Over the past year MSFO returned -0.33% vs +27.20% 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, MSFO or SCHD?
MSFO has been the more volatile fund at 23.8% annualized versus 13.6% for SCHD. Worst drawdown: MSFO -29.7% vs SCHD -16.1%.
Should I hold both MSFO and SCHD?
MSFO and SCHD have a monthly-return correlation of 0.09, 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, MSFO or SCHD?
MSFO yields 38.51% while SCHD yields 3.00%, so MSFO currently pays the higher dividend yield.
Is SCHD better than MSFO?
SCHD has a lower expense ratio. MSFO led over the full window, SCHD over 1Y and 3Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.