SCHD vs VMFXX
Schwab US Dividend Equity ETF vs Vanguard Federal Money Market Fund Investor Class
Quick Verdict
SCHD has a lower expense ratio. VMFXX offers more diversification with 320 holdings.
Side-by-Side Comparison
| Metric | SCHD | VMFXX | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.11% | |
| AUM | $108.7B | $374.1B | |
| Dividend Yield | 3.13% | 3.46% | |
| Holdings | 104 | 320 | |
| YTD Return | +28.70% | +0.00% | |
| 1Y Return | +32.27% | - | |
| 3Y Return (annualized) | +17.27% | - | |
| 5Y Return (annualized) | +10.23% | - | |
| Volatility (annualized) | 13.7% | - | |
| Max Drawdown | -33.4% | 0.0% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Money Market | |
| Inception | Oct 20, 2011 | Jul 13, 1981 |
SCHD vs VMFXX Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Vanguard Federal Money Market Fund Investor Class (VMFXX) is a mutual fund from Vanguard (US). Year to date, SCHD is up 28.70% versus a gain of 0.00% for VMFXX.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and 0.0% for VMFXX. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SCHD charges 0.06% per year while VMFXX charges 0.11%. On a $10,000 position that is $6 vs $11 annually, a gap of $5 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 3.46% for VMFXX.
Holdings Overlap
SCHD and VMFXX 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 VMFXX?
SCHD has an expense ratio of 0.06% while VMFXX charges 0.11%. SCHD is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
What is the holdings overlap between SCHD and VMFXX?
SCHD and VMFXX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 110 unique securities.
Which pays a higher dividend, SCHD or VMFXX?
SCHD yields 3.13% while VMFXX yields 3.46%, so VMFXX currently pays the higher dividend yield.
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