MINT vs SCHD
MINT vs SCHD
PIMCO Enhanced Short Maturity Active Exchange-Traded Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. MINT offers more diversification with 766 holdings.
Side-by-Side Comparison
| Metric | MINT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.36% | 0.06% | |
| AUM | $16.9B | $103.7B | |
| Dividend Yield | 4.35% | 3.31% | |
| Holdings | 1,023 | 104 | |
| YTD Return | +2.22% | +24.26% | |
| 1Y Return | +4.17% | +31.38% | |
| 3Y Return (annualized) | +5.12% | +15.08% | |
| 5Y Return (annualized) | +3.56% | +9.72% | |
| Volatility (annualized) | 1.2% | 13.6% | |
| Max Drawdown | -4.8% | -33.4% | |
| Fund Family | PIMCO (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Nov 16, 2009 | Oct 20, 2011 |
MINT vs SCHD Performance
PIMCO Enhanced Short Maturity Active Exchange-Traded Fund (MINT) is a ETF from PIMCO (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MINT returned +4.17% while SCHD returned +31.38%. Year to date, MINT is up 2.22% versus a gain of 24.26% for SCHD.
Over three years, MINT compounded at +5.12% per year against +15.08% for SCHD; over five years the annualized figures are +3.56% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +1.18%. 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 1.2% for MINT. 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 -4.8% for MINT 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 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MINT charges 0.36% per year while SCHD charges 0.06%. On a $10,000 position that is $36 vs $6 annually, a gap of $30 per year that compounds over a long holding period. On income, MINT currently yields 4.35% against 3.31% for SCHD.
Holdings Overlap
MINT and SCHD share 0 holdings out of 866 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, MINT or SCHD?
MINT has an expense ratio of 0.36% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $30 per year of difference.
Which performed better, MINT or SCHD?
Over the past year MINT returned +4.17% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), MINT annualized +1.18% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, MINT or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.2% for MINT. Worst drawdown: MINT -4.8% vs SCHD -33.4%.
Should I hold both MINT and SCHD?
MINT and SCHD have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MINT and SCHD?
MINT and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 866 unique securities.
Which pays a higher dividend, MINT or SCHD?
MINT yields 4.35% while SCHD yields 3.31%, so MINT currently pays the higher dividend yield.
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