Compare · 3 funds side by side · dividends reinvested

UMI, SCHD and VYM

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$23,238UMI · best of the three

02 / 04

UMI, SCHD and VYM, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%3.00%+31.4%+37.0%+20.0%+10.2%−6.9%11.7%$120B1.9

USCF Midstream Energy Income FundIncome · Dividend stocks0.85%6.37%+17.5%+23.4%+22.8%+18.4%−9.7%16.8%$508M2.0

Vanguard High Dividend Yield ETFIncome · Dividend stocks0.04%2.31%+12.8%+16.5%+19.6%+11.1%−6.7%10.6%$78.9B2.1

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

End-of-day Nov 6, 2026 · returns include dividends · since: UMI 2021 · SCHD 2011 · VYM 2006

Head to Head

Swap sides Versus in desk

Head to Head

USCF Midstream Energy Income Fund · $508M$23,238

UMI

SCHD

Schwab U.S. Dividend Equity ETF · $120B$16,267

$10,000 five years ago, dividends reinvested · they hold 1.3% in common

UMIMeasureSCHD

+17.5%Year to dateJan 1 → Nov 6+31.4%

+23.4%1 yearTotal return+37.0%

+22.8%3 years · per year$10,000 became $18,496 · $17,266+20.0%

+18.4%5 years · per year$10,000 became $23,238 · $16,267+10.2%

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

6.37%Trailing 12-mo yield$637 · $300 a year on $10k3.00%

−9.7%Worst dropSmaller is better−6.9%

16.8%VolatilityLower is calmer11.7%

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

3–5SCHD wins

End-of-day Nov 6, 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

37.1%in top 5

SCHD

in top 521.4%

UMIStockSCHD

8.4%ETnot top 5

8.0%EPDnot top 5

7.3%TRGPnot top 5

6.7%WMBnot top 5

6.6%ENB.TOnot top 5

not top 5PG4.5%

not top 5HD4.3%

not top 5TXN4.3%

not top 5KO4.3%

not top 5AMGN4.1%

Held in common1.3%

End-of-day Nov 6, 2026 · share of each fund

UMI vs SCHD Returns, Every Period

USCFUMI

+18.4%

5 years, per year

SCHDSchwab

+10.2%

5 years, per year

UMISCHDFaded: behind in that period

2–2Level

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

UMI vs SCHD

YTD

USCFUMI

+17.5%

SCHDSchwab

+31.4%

+17.5%Year to date+31.4%

−9.7%Worst drop · 1Y−6.9%

16.8%Volatility · 1Y11.7%

6.4%Yield3.0%

$508MAssets$120B

3–1SCHD wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: UMI, SCHD, VYM

Today

0.04%lowest, VYM

FundExpense ratioFee$10k

VYM0.04%$4

SCHD0.06%$6

UMI0.85%$85

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: UMI, SCHD, VYM

6.37%highest, UMI

FundTrailing yieldYield$10k

UMI6.37%$637

SCHD3.00%$300

VYM2.31%$231

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$552most kept, UMI

UMI$637 − $85 = $552

SCHD$300 − $6 = $294

VYM$231 − $4 = $227

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: UMI, SCHD, VYM

Today

21.9%most shared, SCHD and VYM

UMISCHDVYM

UMI—1.3%1.2%

SCHD1.3%—21.9%

VYM1.2%21.9%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+37.0%SCHD, at 11.7% volatility

VYMWorst drop−6.7%10.6% vol

SCHDWorst drop−6.9%11.7% vol

UMIWorst drop−9.7%16.8% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

UMISCHD

+17.5%Year to date+31.4%

6.4%Yield3.0%

+23.4%Past year+37.0%

0.85%Fee0.06%

3–1SCHD wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026