SCHD vs YRAM
Schwab US Dividend Equity ETF vs YieldMax Memory and Storage Portfolio Option Income ETF
Which is better, SCHD or YRAM?
Large Cap Value against Option Writing.
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.6% of the fund in its ten largest positions against 95.3%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SCHD | YRAM |
|---|---|---|
| Expense Ratio | 0.06%Best | 1.01% |
| AUM | $111.6B | $9M |
| Dividend Yield | 3.24% | 3.07% |
| Holdings | 206 | 43 |
| YTD Return | +26.92%Best | -11.58% |
| 1Y Return | +33.81% | - |
| 3Y Return (annualized) | +17.21% | - |
| 5Y Return (annualized) | +9.94% | - |
| Top 10 Weight | 41.6%Best | 95.3% |
| Fund Family | Charles Schwab Asset Management | YieldMax ETF |
| Category | Equity | Alternative |
| Style | Large Cap Value | Option Writing |
| Inception | Oct 20, 2011 | Aug 24, 2026 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window.
SCHD vs YRAM growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SCHD vs YRAM Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and YieldMax Memory and Storage Portfolio Option Income ETF (YRAM) is an ETF from YieldMax ETF. Year to date, SCHD is up 26.92% versus a loss of 11.58% for YRAM.
Past performance does not guarantee future results.
Fees and Cost Over Time
SCHD charges 0.06% per year while YRAM charges 1.01%. On a $10,000 position that is $6 vs $101 annually, a gap of $95 per year that compounds over a long holding period. On income, SCHD currently yields 3.24% against 3.07% for YRAM.
Holdings Overlap
We hold position weights for 98 holdings in SCHD and 43 in YRAM, totalling 99.8% and 99.3% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 98 positions we hold weights for in SCHD and 43 in YRAM, against full books of 206 and 43.
What only one of them owns
Measured across the 98 and 43 positions we hold weights for.
SCHD holds 97 positions YRAM does not, 99.8% of the fund.
Largest: TXN 4.89%, QCOM 4.61%, PG 4.16%, CVX 4.14%, KO 4.12%
You are not choosing between two funds in isolation.
Whichever of SCHD and YRAM you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or YRAM?
SCHD has an expense ratio of 0.06% while YRAM charges 1.01%. SCHD is the cheaper option, by $95 a year on a $10,000 investment.
Which pays a higher dividend, SCHD or YRAM?
SCHD yields 3.24% while YRAM yields 3.07%, so SCHD currently pays the higher dividend yield.
Is YRAM better than SCHD?
SCHD has a lower expense ratio. SCHD is less concentrated, with 41.6% of the fund in its ten largest positions against 95.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.