Compare · 4 funds side by side · dividends reinvested

NRAM, SCHD, DRAM and CIBR

NRAMYorkville×SCHDSchwab×DRAMRoundhill×CIBRFirst Trust×

Story of the four · Growth5Y$10,000 five years agoDividends reinvested · all four on one scale$17,492CIBR · best of the four

02 / 04

NRAM, SCHD, DRAM and CIBR, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.98%+32.3%+38.7%+20.3%+10.4%−6.9%11.7%$123B1.3

First Trust Nasdaq Cybersecurity ETFThematic · Cyber & cloud0.58%0.43%+27.7%+21.3%+27.4%+11.8%−20.6%31.1%$16.9B1.8

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

Roundhill Memory ETFThematic · AI & semis0.65%0.00%[…][…][…][…][…][…]$17.6B3.5

Rank among the four1st → 4thFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 5, 2026 · returns include dividends · since: NRAM 2026 · SCHD 2011 · DRAM 2026 · CIBR 2015

Head to Head

Swap sides Versus in desk

Head to Head

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

NRAM

CIBR

First Trust Nasdaq Cybersecurity ETF · $16.9B$17,492

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

NRAMMeasureCIBR

[…]Year to dateJan 1 → Nov 5+27.7%

[…]1 yearTotal return+21.3%

[…]3 years · per year$10,000 became […] · $20,670+27.4%

[…]5 years · per year$10,000 became […] · $17,492+11.8%

0.60%Expense ratio$60 · $58 a year on $10k · lower is better0.58%

0.00%Trailing 12-mo yield$0 · $43 a year on $10k0.43%

[…]Worst dropSmaller is better−20.6%

[…]VolatilityLower is calmer31.1%

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

0–2CIBR wins

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

More Ways to See the Pairs

NRAM vs CIBR: Top 5 Holdings

Today

NRAM

53.6%in top 5

CIBR

in top 537.2%

NRAMStockCIBR

16.4%MUnot top 5

15.3%SKHYVnot top 5

12.4%SNDKnot top 5

not top 5CRWD8.6%

not top 5CSCO7.7%

not top 5PANW7.5%

not top 5AVGO7.2%

not top 5FTNT6.2%

5.2%SMSN.ILnot top 5

4.3%WDCnot top 5

Held in common0.0%

End-of-day Nov 5, 2026 · share of each fund

NRAM vs CIBR Returns, Every Period

YorkvilleNRAM

[…]

past year

CIBRFirst Trust

+21.3%

past year

Returns […]

NRAMCIBRFaded: behind in that period

0–0Level

End-of-day Nov 5, 2026 · dividends in · faded = behind in that period

Thematic vs Income: NRAM vs SCHD

YTD

YorkvilleNRAM

[…]

SCHDSchwab

+32.3%

[…]Year to date+32.3%

[…]Worst drop · 1Y−6.9%

[…]Volatility · 1Y11.7%

0.0%Yield3.0%

$1.3MAssets$123B

1–0SCHD wins

End-of-day Nov 5, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: NRAM, SCHD, DRAM, CIBR

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

CIBR0.58%$58

NRAM0.60%$60

DRAM0.65%$65

End-of-day Nov 5, 2026 · fee on $10,000 a year

Yields: NRAM, SCHD, DRAM, CIBR

2.98%highest, SCHD

FundTrailing yieldYield$10k

SCHD2.98%$298

CIBR0.43%$43

NRAM0.00%$0

DRAM0.00%$0

End-of-day Nov 5, 2026 · trailing 12-month yield

Income After Fees on $10,000

$292most kept, SCHD

SCHD$298 − $6 = $292

CIBR$43 − $58 = −$15

NRAM$0 − $60 = −$60

DRAM$0 − $65 = −$65

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee

Overlap: NRAM, SCHD, DRAM, CIBR

Today

16.0%most shared, NRAM and DRAM

NRAMSCHDDRAMCIBR

NRAM—0.0%16.0%0.0%

SCHD0.0%—0.0%3.1%

DRAM16.0%0.0%—0.0%

CIBR0.0%3.1%0.0%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 4 ETFs

+38.7%SCHD, at 11.7% volatility

SCHDWorst drop−6.9%11.7% vol

CIBRWorst drop−20.6%31.1% vol

NRAMWorst drop[…][…]

DRAMWorst drop[…][…]

End-of-day Nov 5, 2026 · up and left is better

Paid More vs Made More

YTD

SCHDCIBR

+32.3%Year to date+27.7%

3.0%Yield0.4%

+38.7%Past year+21.3%

0.06%Fee0.58%

4–0SCHD wins

End-of-day Nov 5, 2026

Popular Pairs Near These Four

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+5.2%

+8.5%Year to date+5.2%

12.2%Yield8.1%

$42.1BAssets$46.1B

2–0JEPQ wins

End-of-day Nov 5, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026