Compare · 3 funds side by side · dividends reinvested

UMI, SCHD and VOO

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$23,828UMI · best of the three

02 / 04

UMI, SCHD and VOO, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%2.91%+35.3%+41.6%+21.4%+11.0%−6.9%11.5%$123B1.8

USCF Midstream Energy Income FundIncome · Dividend stocks0.85%6.13%+22.0%+27.9%+24.8%+19.0%−8.6%16.6%$523M1.9

Vanguard S&P 500 ETFLow-Cost Core · S&P 5000.03%1.05%+13.4%+13.5%+24.2%+12.6%−8.9%12.8%$1.00T2.4

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

End-of-day Nov 4, 2026 · returns include dividends · since: UMI 2021 · SCHD 2011 · VOO 2010

Head to Head

Swap sides Versus in desk

Head to Head

USCF Midstream Energy Income Fund · $523M$23,828

UMI

SCHD

Schwab U.S. Dividend Equity ETF · $123B$16,881

$10,000 five years ago, dividends reinvested · they hold 1.4% in common

UMIMeasureSCHD

+22.0%Year to dateJan 1 → Nov 4+35.3%

+27.9%1 yearTotal return+41.6%

+24.8%3 years · per year$10,000 became $19,424 · $17,908+21.4%

+19.0%5 years · per year$10,000 became $23,828 · $16,881+11.0%

0.85%Expense ratio$85 · $6 a year on $10k · lower is better0.06%

6.13%Trailing 12-mo yield$613 · $291 a year on $10k2.91%

−8.6%Worst dropSmaller is better−6.9%

16.6%VolatilityLower is calmer11.5%

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

3–5SCHD wins

End-of-day Nov 4, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

UMI vs SCHD: Top 5 Holdings

Today

UMI

37.0%in top 5

SCHD

in top 521.6%

UMIStockSCHD

8.4%ETnot top 5

7.7%EPDnot top 5

7.5%TRGPnot top 5

7.1%WMBnot top 5

6.3%KMInot top 5

not top 5TXN4.8%

not top 5PG4.3%

not top 5KO4.2%

not top 5CVX4.2%

not top 5COP4.1%

Held in common1.4%

End-of-day Nov 4, 2026 · share of each fund

UMI vs SCHD Returns, Every Period

USCFUMI

+19.0%

5 years, per year

SCHDSchwab

+11.0%

5 years, per year

UMISCHDFaded: behind in that period

2–2Level

End-of-day Nov 4, 2026 · dividends in · faded = behind in that period

UMI vs SCHD

YTD

USCFUMI

+22.0%

SCHDSchwab

+35.3%

+22.0%Year to date+35.3%

−8.6%Worst drop · 1Y−6.9%

16.6%Volatility · 1Y11.5%

6.1%Yield2.9%

$523MAssets$123B

3–1SCHD wins

End-of-day Nov 4, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: UMI, SCHD, VOO

Today

0.03%lowest, VOO

FundExpense ratioFee$10k

VOO0.03%$3

SCHD0.06%$6

UMI0.85%$85

End-of-day Nov 4, 2026 · fee on $10,000 a year

Yields: UMI, SCHD, VOO

6.13%highest, UMI

FundTrailing yieldYield$10k

UMI6.13%$613

SCHD2.91%$291

VOO1.05%$105

End-of-day Nov 4, 2026 · trailing 12-month yield

Income After Fees on $10,000

$528most kept, UMI

UMI$613 − $85 = $528

SCHD$291 − $6 = $285

VOO$105 − $3 = $102

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee

Overlap: UMI, SCHD, VOO

Today

7.6%most shared, SCHD and VOO

UMISCHDVOO

UMI—1.4%0.4%

SCHD1.4%—7.6%

VOO0.4%7.6%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+41.6%SCHD, at 11.5% volatility

SCHDWorst drop−6.9%11.5% vol

VOOWorst drop−8.9%12.8% vol

UMIWorst drop−8.6%16.6% vol

End-of-day Nov 4, 2026 · up and left is better

Paid More vs Made More

YTD

UMISCHD

+22.0%Year to date+35.3%

6.1%Yield2.9%

+27.9%Past year+41.6%

0.85%Fee0.06%

3–1SCHD wins

End-of-day Nov 4, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

VOO vs IVV

YTD

VanguardVOO

+13.4%

IVViShares

+13.4%

+13.4%Year to date+13.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 4, 2026