MAMB vs SCHD
MAMB vs SCHD
Monarch Ambassador Income Index 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 | MAMB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.26% | 0.06% | |
| AUM | $192M | $103.7B | |
| Dividend Yield | 2.66% | 3.31% | |
| Holdings | 10 | 104 | |
| YTD Return | -0.27% | +23.53% | |
| 1Y Return | +4.08% | +30.95% | |
| 3Y Return (annualized) | +5.25% | +14.72% | |
| 5Y Return (annualized) | +0.27% | +9.56% | |
| Volatility (annualized) | 7.0% | 13.6% | |
| Max Drawdown | -19.3% | -33.4% | |
| Fund Family | Monarch Funds | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Mar 23, 2021 | Oct 20, 2011 |
MAMB vs SCHD Performance
Monarch Ambassador Income Index ETF (MAMB) is a ETF from Monarch Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MAMB returned +4.08% while SCHD returned +30.95%. Year to date, MAMB is down 0.27% versus a gain of 23.53% for SCHD.
Over three years, MAMB compounded at +5.25% per year against +14.72% for SCHD; over five years the annualized figures are +0.27% and +9.56% respectively. Across the full 5-year window we track, SCHD has the edge at +11.35% annualized vs +0.64%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 7.0% for MAMB. 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 -19.3% for MAMB 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MAMB charges 1.26% per year while SCHD charges 0.06%. On a $10,000 position that is $126 vs $6 annually, a gap of $120 per year that compounds over a long holding period. On income, MAMB currently yields 2.66% against 3.31% for SCHD.
Holdings Overlap
MAMB and SCHD share 0 holdings out of 107 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, MAMB or SCHD?
MAMB has an expense ratio of 1.26% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $120 per year of difference.
Which performed better, MAMB or SCHD?
Over the past year MAMB returned +4.08% vs +30.95% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), MAMB annualized +0.64% vs +11.35% for SCHD. Past performance does not guarantee future results.
Which is riskier, MAMB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.0% for MAMB. Worst drawdown: MAMB -19.3% vs SCHD -33.4%.
Should I hold both MAMB and SCHD?
MAMB and SCHD have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MAMB and SCHD?
MAMB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 107 unique securities.
Which pays a higher dividend, MAMB or SCHD?
MAMB yields 2.66% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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