MFUL vs SCHD
MFUL vs SCHD
Mindful Conservative 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 | MFUL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.48% | 0.06% | |
| AUM | $7M | $103.7B | |
| Dividend Yield | 2.40% | 3.31% | |
| Holdings | 18 | 104 | |
| YTD Return | +3.45% | +23.31% | |
| 1Y Return | +5.38% | +30.42% | |
| 3Y Return (annualized) | +4.87% | +14.66% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 4.9% | 13.6% | |
| Max Drawdown | -16.4% | -33.4% | |
| Fund Family | Mohr Funds | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 2, 2021 | Oct 20, 2011 |
MFUL vs SCHD Performance
Mindful Conservative ETF (MFUL) is a ETF from Mohr Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MFUL returned +5.38% while SCHD returned +30.42%. Year to date, MFUL is up 3.45% versus a gain of 23.31% for SCHD.
Over three years, MFUL compounded at +4.87% per year against +14.66% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.34% annualized vs +0.09%. 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 4.9% for MFUL. 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 -16.4% for MFUL 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MFUL charges 1.48% per year while SCHD charges 0.06%. On a $10,000 position that is $148 vs $6 annually, a gap of $142 per year that compounds over a long holding period. On income, MFUL currently yields 2.40% against 3.31% for SCHD.
Holdings Overlap
MFUL and SCHD share 0 holdings out of 117 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, MFUL or SCHD?
MFUL has an expense ratio of 1.48% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $142 per year of difference.
Which performed better, MFUL or SCHD?
Over the past year MFUL returned +5.38% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), MFUL annualized +0.09% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, MFUL or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.9% for MFUL. Worst drawdown: MFUL -16.4% vs SCHD -33.4%.
Should I hold both MFUL and SCHD?
MFUL and SCHD have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MFUL and SCHD?
MFUL and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 117 unique securities.
Which pays a higher dividend, MFUL or SCHD?
MFUL yields 2.40% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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