Compare · 3 funds side by side · dividends reinvested

NRAM, CIBR and SCHD

NRAMYorkville×CIBRFirst Trust×SCHDSchwab×

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,956CIBR · best of the three

02 / 04

NRAM, CIBR and SCHD, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.96%+33.2%+39.1%+19.6%+10.5%−6.9%11.8%$122B1.3

First Trust Nasdaq Cybersecurity ETFThematic · Cyber & cloud0.58%0.42%+32.8%+27.5%+28.7%+12.4%−20.6%31.3%$15.8B1.8

Yorkville America Next Generation Memory Index ETFThematic · AI & semis0.60%0.00%[…][…][…][…][…][…]$1M3.0

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 9, 2026 · returns include dividends · since: NRAM 2026 · CIBR 2015 · SCHD 2011

Head to Head

Swap sides Versus in desk

Head to Head

Schwab U.S. Dividend Equity ETF · $122B$16,459

SCHD

NRAM

Yorkville America Next Generation Memory Index ETF · $1M[…]

$10,000 five years ago, dividends reinvested · they hold 0.0% in common

SCHDMeasureNRAM

+33.2%Year to dateJan 1 → Nov 9[…]

+39.1%1 yearTotal return[…]

+19.6%3 years · per year$10,000 became $17,123 · […][…]

+10.5%5 years · per year$10,000 became $16,459 · […][…]

0.06%Expense ratio$6 · $60 a year on $10k · lower is better0.60%

2.96%Trailing 12-mo yield$296 · $0 a year on $10k0.00%

−6.9%Worst dropSmaller is better[…]

11.8%VolatilityLower is calmer[…]

SCHDNRAM Winner of the row, in its colourEach row: the bigger of the two fills its side

2–0SCHD wins

End-of-day Nov 9, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

SCHD vs NRAM: Top 5 Holdings

Today

SCHD

21.4%in top 5

NRAM

in top 553.4%

SCHDStockNRAM

not top 5MU16.5%

not top 5SKHYV15.8%

not top 5SNDK11.6%

not top 5SMSN.IL5.4%

4.4%PGnot top 5

4.3%TXNnot top 5

4.3%KOnot top 5

4.3%HDnot top 5

not top 5SIMO4.2%

4.1%AMGNnot top 5

Held in common0.0%

End-of-day Nov 9, 2026 · share of each fund

SCHD vs NRAM Returns, Every Period

SchwabSCHD

+39.1%

past year

NRAMYorkville

[…]

past year

Returns […]

SCHDNRAMFaded: behind in that period

0–0Level

End-of-day Nov 9, 2026 · dividends in · faded = behind in that period

Income vs Thematic: SCHD vs CIBR

YTD

SchwabSCHD

+33.2%

CIBRFirst Trust

+32.8%

+33.2%Year to date+32.8%

−6.9%Worst drop · 1Y−20.6%

11.8%Volatility · 1Y31.3%

3.0%Yield0.4%

$122BAssets$15.8B

4–0SCHD wins

End-of-day Nov 9, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: NRAM, CIBR, SCHD

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

CIBR0.58%$58

NRAM0.60%$60

End-of-day Nov 9, 2026 · fee on $10,000 a year

Yields: NRAM, CIBR, SCHD

2.96%highest, SCHD

FundTrailing yieldYield$10k

SCHD2.96%$296

CIBR0.42%$42

NRAM0.00%$0

End-of-day Nov 9, 2026 · trailing 12-month yield

Income After Fees on $10,000

$290most kept, SCHD

SCHD$296 − $6 = $290

CIBR$42 − $58 = −$16

NRAM$0 − $60 = −$60

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee

Overlap: NRAM, CIBR, SCHD

Today

3.3%most shared, CIBR and SCHD

NRAMCIBRSCHD

NRAM—0.0%0.0%

CIBR0.0%—3.3%

SCHD0.0%3.3%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+39.1%SCHD, at 11.8% volatility

SCHDWorst drop−6.9%11.8% vol

CIBRWorst drop−20.6%31.3% vol

NRAMWorst drop[…][…]

End-of-day Nov 9, 2026 · up and left is better

Paid More vs Made More

YTD

SCHDCIBR

+33.2%Year to date+32.8%

3.0%Yield0.4%

+39.1%Past year+27.5%

0.06%Fee0.58%

4–0SCHD wins

End-of-day Nov 9, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026