MIN vs SCHD
MIN vs SCHD
Aberdeen Intermediate Income Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. MIN offers more diversification with 149 holdings.
Side-by-Side Comparison
| Metric | MIN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.64% | 0.06% | |
| AUM | $297M | $103.7B | |
| Dividend Yield | 8.84% | 3.31% | |
| Holdings | 219 | 104 | |
| YTD Return | -2.77% | +23.02% | |
| 1Y Return | -2.32% | +30.75% | |
| 3Y Return (annualized) | +4.73% | +14.89% | |
| 5Y Return (annualized) | +0.28% | +9.38% | |
| Volatility (annualized) | 7.5% | 13.6% | |
| Max Drawdown | -57.9% | -33.4% | |
| Fund Family | Aberdeen Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Mar 17, 1988 | Oct 20, 2011 |
MIN vs SCHD Performance
Aberdeen Intermediate Income Fund (MIN) is a ETF from Aberdeen Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MIN returned -2.32% while SCHD returned +30.75%. Year to date, MIN is down 2.77% versus a gain of 23.02% for SCHD.
Over three years, MIN compounded at +4.73% per year against +14.89% for SCHD; over five years the annualized figures are +0.28% and +9.38% respectively. Across the full 15-year window we track, SCHD has the edge at +11.33% annualized vs -1.62%. 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 7.5% for MIN. 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 -57.9% for MIN 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 0.29. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MIN charges 0.64% per year while SCHD charges 0.06%. On a $10,000 position that is $64 vs $6 annually, a gap of $58 per year that compounds over a long holding period. On income, MIN currently yields 8.84% against 3.31% for SCHD.
Holdings Overlap
MIN and SCHD share 0 holdings out of 249 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, MIN or SCHD?
MIN has an expense ratio of 0.64% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $58 per year of difference.
Which performed better, MIN or SCHD?
Over the past year MIN returned -2.32% vs +30.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), MIN annualized -1.62% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, MIN or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.5% for MIN. Worst drawdown: MIN -57.9% vs SCHD -33.4%.
Should I hold both MIN and SCHD?
MIN and SCHD have a monthly-return correlation of 0.29, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MIN and SCHD?
MIN and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 249 unique securities.
Which pays a higher dividend, MIN or SCHD?
MIN yields 8.84% while SCHD yields 3.31%, so MIN currently pays the higher dividend yield.
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