MSTY vs SCHD
MSTY vs SCHD
YieldMax MSTR Option Income Strategy 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 | MSTY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.03% | 0.06% | |
| AUM | $760M | $103.7B | |
| Dividend Yield | 139.35% | 3.31% | |
| Holdings | 21 | 104 | |
| YTD Return | -32.86% | +24.26% | |
| 1Y Return | -69.72% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 78.6% | 13.6% | |
| Max Drawdown | -77.4% | -33.4% | |
| Fund Family | YieldMax ETF | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Feb 21, 2024 | Oct 20, 2011 |
MSTY vs SCHD Performance
YieldMax MSTR Option Income Strategy ETF (MSTY) is a ETF from YieldMax ETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MSTY returned -69.72% while SCHD returned +31.38%. Year to date, MSTY is down 32.86% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
MSTY has been the more volatile fund, with annualized monthly volatility of 78.6% 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 -77.4% for MSTY 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 0.20. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MSTY 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, MSTY currently yields 139.35% against 3.31% for SCHD.
Holdings Overlap
MSTY and SCHD share 0 holdings out of 103 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, MSTY or SCHD?
MSTY has an expense ratio of 1.03% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $97 per year of difference.
Which performed better, MSTY or SCHD?
Over the past year MSTY returned -69.72% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), MSTY annualized +7.31% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, MSTY or SCHD?
MSTY has been the more volatile fund at 78.6% annualized versus 13.6% for SCHD. Worst drawdown: MSTY -77.4% vs SCHD -33.4%.
Should I hold both MSTY and SCHD?
MSTY and SCHD have a monthly-return correlation of 0.20, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MSTY and SCHD?
MSTY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 103 unique securities.
Which pays a higher dividend, MSTY or SCHD?
MSTY yields 139.35% while SCHD yields 3.31%, so MSTY currently pays the higher dividend yield.
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