MSFU vs SCHD
Direxion Daily MSFT Bull 2X 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 | MSFU | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.98% | 0.06% | |
| AUM | $773M | $103.7B | |
| Dividend Yield | 13.70% | 3.31% | |
| Holdings | 9 | 104 | |
| YTD Return | -2.28% | +24.26% | |
| 1Y Return | -23.46% | +31.38% | |
| 3Y Return (annualized) | +11.75% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 51.5% | 13.6% | |
| Max Drawdown | -62.4% | -33.4% | |
| Fund Family | Direxion Shares ETF Trust | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Sep 7, 2022 | Oct 20, 2011 |
MSFU vs SCHD Performance
Direxion Daily MSFT Bull 2X ETF (MSFU) is a ETF from Direxion Shares ETF Trust and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MSFU returned -23.46% while SCHD returned +31.38%. Year to date, MSFU is down 2.28% versus a gain of 24.26% for SCHD.
Over three years, MSFU compounded at +11.75% per year against +15.08% for SCHD. Across the full 4-year window we track, MSFU has the edge at +16.71% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MSFU has been the more volatile fund, with annualized monthly volatility of 51.5% 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 -62.4% for MSFU 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 0.05. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MSFU charges 0.98% per year while SCHD charges 0.06%. On a $10,000 position that is $98 vs $6 annually, a gap of $92 per year that compounds over a long holding period. On income, MSFU currently yields 13.70% against 3.31% for SCHD.
Holdings Overlap
MSFU and SCHD share 0 holdings out of 105 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, MSFU or SCHD?
MSFU has an expense ratio of 0.98% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $92 per year of difference.
Which performed better, MSFU or SCHD?
Over the past year MSFU returned -23.46% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), MSFU annualized +16.71% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, MSFU or SCHD?
MSFU has been the more volatile fund at 51.5% annualized versus 13.6% for SCHD. Worst drawdown: MSFU -62.4% vs SCHD -33.4%.
Should I hold both MSFU and SCHD?
MSFU and SCHD have a monthly-return correlation of 0.05, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MSFU and SCHD?
MSFU and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 105 unique securities.
Which pays a higher dividend, MSFU or SCHD?
MSFU yields 13.70% while SCHD yields 3.31%, so MSFU currently pays the higher dividend yield.
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