MVFD vs SCHD
Monarch Volume Factor Dividend Tree Index 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 | MVFD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.10% | 0.06% | |
| AUM | $130M | $112.2B | |
| Dividend Yield | 1.51% | 3.13% | |
| Holdings | 42 | 103 | |
| YTD Return | +10.79% | +28.33% | |
| 1Y Return | +16.46% | +30.37% | |
| 3Y Return (annualized) | - | +16.64% | |
| 5Y Return (annualized) | - | +10.04% | |
| Volatility (annualized) | 13.6% | 13.6% | |
| Max Drawdown | -19.1% | -33.4% | |
| Fund Family | Monarch Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 12, 2024 | Oct 20, 2011 |
MVFD vs SCHD Performance
Monarch Volume Factor Dividend Tree Index ETF (MVFD) is a ETF from Monarch Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MVFD returned +16.46% while SCHD returned +30.37%. Year to date, MVFD is up 10.79% versus a gain of 28.33% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.6% for MVFD. 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 -19.1% for MVFD 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
MVFD charges 1.10% per year while SCHD charges 0.06%. On a $10,000 position that is $110 vs $6 annually, a gap of $104 per year that compounds over a long holding period. On income, MVFD currently yields 1.51% against 3.13% for SCHD.
Holdings Overlap
MVFD and SCHD share 4 holdings out of 136 unique holdings combined, representing a 4.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, MVFD or SCHD?
MVFD has an expense ratio of 1.10% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $104 per year of difference.
Which performed better, MVFD or SCHD?
Over the past year MVFD returned +16.46% vs +30.37% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), MVFD annualized +11.49% vs +11.58% for SCHD. Past performance does not guarantee future results.
Which is riskier, MVFD or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.6% for MVFD. Worst drawdown: MVFD -19.1% vs SCHD -33.4%.
Should I hold both MVFD and SCHD?
MVFD and SCHD have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MVFD and SCHD?
MVFD and SCHD share 4 common holdings with a 4.7% weight overlap. Combined, they hold 136 unique securities.
Which pays a higher dividend, MVFD or SCHD?
MVFD yields 1.51% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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