MYCJ vs SCHD
State Street My2030 Corporate Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. MYCJ offers more diversification with 197 holdings.
Side-by-Side Comparison
| Metric | MYCJ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $47M | $108.7B | |
| Dividend Yield | 4.66% | 3.13% | |
| Holdings | 197 | 104 | |
| YTD Return | +0.54% | +27.67% | |
| 1Y Return | +2.69% | +31.26% | |
| 3Y Return (annualized) | - | +16.66% | |
| 5Y Return (annualized) | - | +10.18% | |
| Volatility (annualized) | 3.0% | 13.6% | |
| Max Drawdown | -2.9% | -33.4% | |
| Fund Family | State Street Investment Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 23, 2024 | Oct 20, 2011 |
MYCJ vs SCHD Performance
State Street My2030 Corporate Bond ETF (MYCJ) 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 MYCJ returned +2.69% while SCHD returned +31.26%. Year to date, MYCJ is up 0.54% versus a gain of 27.67% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 3.0% for MYCJ. 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 -2.9% for MYCJ 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 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MYCJ 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, MYCJ currently yields 4.66% against 3.13% for SCHD.
Holdings Overlap
MYCJ and SCHD share 0 holdings out of 147 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, MYCJ or SCHD?
MYCJ 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, MYCJ or SCHD?
Over the past year MYCJ returned +2.69% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), MYCJ annualized +3.48% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, MYCJ or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 3.0% for MYCJ. Worst drawdown: MYCJ -2.9% vs SCHD -33.4%.
Should I hold both MYCJ and SCHD?
MYCJ and SCHD have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MYCJ and SCHD?
MYCJ and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 147 unique securities.
Which pays a higher dividend, MYCJ or SCHD?
MYCJ yields 4.66% while SCHD yields 3.13%, so MYCJ currently pays the higher dividend yield.
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