MSFY vs SCHD
Kurv Yield Premium Strategy Microsoft 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 103 holdings.
Side-by-Side Comparison
| Metric | MSFY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.06% | |
| AUM | $12M | $112.2B | |
| Dividend Yield | 23.51% | 3.13% | |
| Holdings | 11 | 103 | |
| YTD Return | -12.13% | +27.89% | |
| 1Y Return | -14.91% | +29.93% | |
| 3Y Return (annualized) | - | +16.13% | |
| 5Y Return (annualized) | - | +10.00% | |
| Volatility (annualized) | 30.6% | 13.6% | |
| Max Drawdown | -44.7% | -33.4% | |
| Fund Family | Kurv | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Oct 27, 2023 | Oct 20, 2011 |
MSFY vs SCHD Performance
Kurv Yield Premium Strategy Microsoft ETF (MSFY) is a ETF from Kurv and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MSFY returned -14.91% while SCHD returned +29.93%. Year to date, MSFY is down 12.13% versus a gain of 27.89% for SCHD.
Risk: Volatility and Drawdowns
MSFY has been the more volatile fund, with annualized monthly volatility of 30.6% 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 -44.7% for MSFY 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 0.01. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MSFY charges 0.99% per year while SCHD charges 0.06%. On a $10,000 position that is $99 vs $6 annually, a gap of $93 per year that compounds over a long holding period. On income, MSFY currently yields 23.51% against 3.13% for SCHD.
Holdings Overlap
MSFY and SCHD share 0 holdings out of 101 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, MSFY or SCHD?
MSFY has an expense ratio of 0.99% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $93 per year of difference.
Which performed better, MSFY or SCHD?
Over the past year MSFY returned -14.91% vs +29.93% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), MSFY annualized -6.37% vs +11.56% for SCHD. Past performance does not guarantee future results.
Which is riskier, MSFY or SCHD?
MSFY has been the more volatile fund at 30.6% annualized versus 13.6% for SCHD. Worst drawdown: MSFY -44.7% vs SCHD -33.4%.
Should I hold both MSFY and SCHD?
MSFY and SCHD have a monthly-return correlation of 0.01, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MSFY and SCHD?
MSFY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, MSFY or SCHD?
MSFY yields 23.51% while SCHD yields 3.13%, so MSFY currently pays the higher dividend yield.
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