MYCM vs SCHD
State Street My2033 Corporate Bond 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 | MYCM | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $9M | $103.7B | |
| Dividend Yield | 4.73% | 3.31% | |
| Holdings | 87 | 104 | |
| YTD Return | -0.53% | +25.58% | |
| 1Y Return | +2.37% | +31.06% | |
| 3Y Return (annualized) | - | +15.55% | |
| 5Y Return (annualized) | - | +9.61% | |
| Volatility (annualized) | 4.1% | 13.6% | |
| Max Drawdown | -4.2% | -33.4% | |
| Fund Family | State Street Investment Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 23, 2024 | Oct 20, 2011 |
MYCM vs SCHD Performance
State Street My2033 Corporate Bond ETF (MYCM) 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 MYCM returned +2.37% while SCHD returned +31.06%. Year to date, MYCM is down 0.53% 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 4.1% for MYCM. 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 -4.2% for MYCM 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 0.40. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MYCM 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, MYCM currently yields 4.73% against 3.31% for SCHD.
Holdings Overlap
MYCM and SCHD share 0 holdings out of 108 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, MYCM or SCHD?
MYCM 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, MYCM or SCHD?
Over the past year MYCM returned +2.37% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), MYCM annualized +2.93% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, MYCM or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.1% for MYCM. Worst drawdown: MYCM -4.2% vs SCHD -33.4%.
Should I hold both MYCM and SCHD?
MYCM and SCHD have a monthly-return correlation of 0.40, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MYCM and SCHD?
MYCM and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 108 unique securities.
Which pays a higher dividend, MYCM or SCHD?
MYCM yields 4.73% while SCHD yields 3.31%, so MYCM currently pays the higher dividend yield.
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