SCHD vs SNAV
Schwab US Dividend Equity ETF vs Mohr Sector Nav 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 | SCHD | SNAV | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 1.59% | |
| AUM | $103.7B | $29M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 8 | |
| YTD Return | +25.33% | +11.80% | |
| 1Y Return | +32.31% | +18.24% | |
| 3Y Return (annualized) | +15.40% | +14.34% | |
| 5Y Return (annualized) | +9.70% | - | |
| Volatility (annualized) | 13.6% | 11.7% | |
| Max Drawdown | -33.4% | -16.6% | |
| Fund Family | Charles Schwab Asset Management | Mohr Funds | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jan 10, 2023 |
SCHD vs SNAV Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Mohr Sector Nav ETF (SNAV) is a ETF from Mohr Funds. Over the past year SCHD returned +32.31% while SNAV returned +18.24%. Year to date, SCHD is up 25.33% versus a gain of 11.80% for SNAV.
Over three years, SCHD compounded at +15.40% per year against +14.34% for SNAV. Across the full 4-year window we track, SNAV has the edge at +14.32% annualized vs +11.45%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.7% for SNAV. 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 -33.4% for SCHD and -16.6% for SNAV. 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SNAV charges 1.59%. On a $10,000 position that is $6 vs $159 annually, a gap of $153 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.00% for SNAV.
Holdings Overlap
SCHD and SNAV share 0 holdings out of 110 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, SCHD or SNAV?
SCHD has an expense ratio of 0.06% while SNAV charges 1.59%. SCHD is the cheaper option. On a $10,000 investment, that is $153 per year of difference.
Which performed better, SCHD or SNAV?
Over the past year SCHD returned +32.31% vs +18.24% for SNAV, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.45% vs +14.32% for SNAV. Past performance does not guarantee future results.
Which is riskier, SCHD or SNAV?
SCHD has been the more volatile fund at 13.6% annualized versus 11.7% for SNAV. Worst drawdown: SCHD -33.4% vs SNAV -16.6%.
Should I hold both SCHD and SNAV?
SCHD and SNAV have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SNAV?
SCHD and SNAV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 110 unique securities.
Which pays a higher dividend, SCHD or SNAV?
SCHD yields 3.31% while SNAV yields 0.00%, so SCHD currently pays the higher dividend yield.
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