EMPB vs SCHD
EMPB vs SCHD
Efficient Market Portfolio Plus ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | EMPB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 2.21% | 0.06% | |
| AUM | $24M | $103.7B | |
| Dividend Yield | 0.76% | 3.31% | |
| Holdings | 20 | 104 | |
| YTD Return | +19.12% | +24.26% | |
| 1Y Return | +20.09% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 8.3% | 13.6% | |
| Max Drawdown | -7.5% | -33.4% | |
| Fund Family | NextGenETF | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Dec 9, 2024 | Oct 20, 2011 |
EMPB vs SCHD Performance
Efficient Market Portfolio Plus ETF (EMPB) is a ETF from NextGenETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year EMPB returned +20.09% while SCHD returned +31.38%. Year to date, EMPB is up 19.12% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 8.3% for EMPB. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -7.5% for EMPB and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EMPB charges 2.21% per year while SCHD charges 0.06%. On a $10,000 position that is $221 vs $6 annually, a gap of $215 per year that compounds over a long holding period. On income, EMPB currently yields 0.76% against 3.31% for SCHD.
Holdings Overlap
EMPB and SCHD share 0 holdings out of 119 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EMPB or SCHD?
EMPB has an expense ratio of 2.21% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $215 per year of difference.
Which performed better, EMPB or SCHD?
Over the past year EMPB returned +20.09% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), EMPB annualized +21.55% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, EMPB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.3% for EMPB. Worst drawdown: EMPB -7.5% vs SCHD -33.4%.
Should I hold both EMPB and SCHD?
EMPB and SCHD have a monthly-return correlation of 0.08, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EMPB and SCHD?
EMPB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 119 unique securities.
Which pays a higher dividend, EMPB or SCHD?
EMPB yields 0.76% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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