MYMF vs SCHD
State Street My2026 Municipal 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 | MYMF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.20% | 0.06% | |
| AUM | $9M | $103.7B | |
| Dividend Yield | 2.46% | 3.31% | |
| Holdings | 75 | 104 | |
| YTD Return | +0.68% | +25.58% | |
| 1Y Return | +1.95% | +31.06% | |
| 3Y Return (annualized) | - | +15.55% | |
| 5Y Return (annualized) | - | +9.61% | |
| Volatility (annualized) | 1.2% | 13.6% | |
| Max Drawdown | -2.0% | -33.4% | |
| Fund Family | State Street Investment Management | Charles Schwab Asset Management | |
| Category | Tax Preferred | Equity | |
| Inception | Sep 23, 2024 | Oct 20, 2011 |
MYMF vs SCHD Performance
State Street My2026 Municipal Bond ETF (MYMF) 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 MYMF returned +1.95% while SCHD returned +31.06%. Year to date, MYMF is up 0.68% 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 1.2% for MYMF. 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 -2.0% for MYMF 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 0.49. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MYMF charges 0.20% per year while SCHD charges 0.06%. On a $10,000 position that is $20 vs $6 annually, a gap of $14 per year that compounds over a long holding period. On income, MYMF currently yields 2.46% against 3.31% for SCHD.
Holdings Overlap
MYMF and SCHD share 0 holdings out of 137 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, MYMF or SCHD?
MYMF has an expense ratio of 0.20% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $14 per year of difference.
Which performed better, MYMF or SCHD?
Over the past year MYMF returned +1.95% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), MYMF annualized +2.21% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, MYMF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.2% for MYMF. Worst drawdown: MYMF -2.0% vs SCHD -33.4%.
Should I hold both MYMF and SCHD?
MYMF and SCHD have a monthly-return correlation of 0.49, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MYMF and SCHD?
MYMF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 137 unique securities.
Which pays a higher dividend, MYMF or SCHD?
MYMF yields 2.46% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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