MYCH vs SCHD
State Street My2028 Corporate Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. MYCH offers more diversification with 314 holdings.
Side-by-Side Comparison
| Metric | MYCH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $697M | $103.7B | |
| Dividend Yield | 4.39% | 3.31% | |
| Holdings | 348 | 104 | |
| YTD Return | +1.12% | +25.58% | |
| 1Y Return | +3.39% | +31.06% | |
| 3Y Return (annualized) | - | +15.55% | |
| 5Y Return (annualized) | - | +9.61% | |
| Volatility (annualized) | 1.8% | 13.6% | |
| Max Drawdown | -1.4% | -33.4% | |
| Fund Family | State Street Investment Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 23, 2024 | Oct 20, 2011 |
MYCH vs SCHD Performance
State Street My2028 Corporate Bond ETF (MYCH) is a ETF from State Street Investment Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MYCH returned +3.39% while SCHD returned +31.06%. Year to date, MYCH is up 1.12% versus a gain of 25.58% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.8% for MYCH. 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 -1.4% for MYCH 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MYCH charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, MYCH currently yields 4.39% against 3.31% for SCHD.
Holdings Overlap
MYCH and SCHD share 0 holdings out of 414 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, MYCH or SCHD?
MYCH has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, MYCH or SCHD?
Over the past year MYCH returned +3.39% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), MYCH annualized +3.97% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, MYCH or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.8% for MYCH. Worst drawdown: MYCH -1.4% vs SCHD -33.4%.
Should I hold both MYCH and SCHD?
MYCH and SCHD have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MYCH and SCHD?
MYCH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 414 unique securities.
Which pays a higher dividend, MYCH or SCHD?
MYCH yields 4.39% while SCHD yields 3.31%, so MYCH currently pays the higher dividend yield.
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