Compare · 2 funds side by side · dividends reinvested

SCHD and MMSD

SCHDSchwab×MMSDNY Life Investments×

Versus in desk

Story of the two · Growth5Y$10,000 five years agoDividends reinvested · both on one scale$16,459SCHD · best of the two

02 / 04

SCHD and MMSD, 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%$120B1.4

NYLI MacKay Muni Short Duration ETFBonds & Cash · Municipal0.25%3.62%+2.1%+2.7%[…][…]−2.5%2.2%$88M1.5

Rank among the two1st → 2ndFee, 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: SCHD 2011 · MMSD 2025

Head to Head

Swap sides Versus in desk

Head to Head

Schwab U.S. Dividend Equity ETF · $120B$16,459

SCHD

MMSD

NYLI MacKay Muni Short Duration ETF · $88M[…]

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

SCHDMeasureMMSD

+33.2%Year to dateJan 1 → Nov 9+2.1%

+39.1%1 yearTotal return+2.7%

+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 · $25 a year on $10k · lower is better0.25%

2.96%Trailing 12-mo yield$296 · $362 a year on $10k3.62%

−6.9%Worst dropSmaller is better−2.5%

11.8%VolatilityLower is calmer2.2%

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

3–3Level

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 MMSD: Top 5 Holdings

Today

SCHD

21.4%in top 5

MMSD

in top 50.0%

SCHDStockMMSD

4.4%PGnot top 5

4.3%TXNnot top 5

4.3%KOnot top 5

4.3%HDnot top 5

4.1%AMGNnot top 5

not top 5CASH0.0%

Held in common0.0%

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

SCHD vs MMSD Returns, Every Period

SchwabSCHD

+39.1%

past year

MMSDNY Life Investments

+2.7%

past year

SCHDMMSDFaded: behind in that period

2–0SCHD wins

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

Income vs Bonds: SCHD vs MMSD

YTD

SchwabSCHD

+33.2%

MMSDNY Life Investments

+2.1%

+33.2%Year to date+2.1%

−6.9%Worst drop · 1Y−2.5%

11.8%Volatility · 1Y2.2%

3.0%Yield3.6%

$120BAssets$88.0M

3–1MMSD wins

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

Cost, Income and Risk

Fees: SCHD, MMSD

Today

0.06%lowest, SCHD

FundExpense ratioFee$10k

SCHD0.06%$6

MMSD0.25%$25

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

Yields: SCHD, MMSD

3.62%highest, MMSD

FundTrailing yieldYield$10k

MMSD3.62%$362

SCHD2.96%$296

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

Income After Fees on $10,000

$337most kept, MMSD

MMSD$362 − $25 = $337

SCHD$296 − $6 = $290

KeptFee

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

Overlap: SCHD, MMSD

Today

0.0%most shared, SCHD and MMSD

SCHDMMSD

SCHD—0.0%

MMSD0.0%—

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

Return vs Bumpiness: 2 ETFs

+39.1%SCHD, at 11.8% volatility

MMSDWorst drop−2.5%2.2% vol

SCHDWorst drop−6.9%11.8% vol

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

Paid More vs Made More

YTD

MMSDSCHD

+2.1%Year to date+33.2%

3.6%Yield3.0%

+2.7%Past year+39.1%

0.25%Fee0.06%

3–1SCHD wins

End-of-day Nov 9, 2026

Popular Pairs Near These Two

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$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