MOAT vs SCHD
MOAT vs SCHD
VanEck Morningstar Wide Moat 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 | MOAT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.46% | 0.06% | |
| AUM | $11.7B | $103.7B | |
| Dividend Yield | 1.35% | 3.31% | |
| Holdings | 59 | 104 | |
| YTD Return | +7.42% | +24.08% | |
| 1Y Return | +14.66% | +31.88% | |
| 3Y Return (annualized) | +11.75% | +14.92% | |
| 5Y Return (annualized) | +9.11% | +9.85% | |
| Volatility (annualized) | 154573.1% | 13.6% | |
| Max Drawdown | -96.0% | -33.4% | |
| Fund Family | VanEck | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Apr 24, 2012 | Oct 20, 2011 |
MOAT vs SCHD Performance
VanEck Morningstar Wide Moat ETF (MOAT) is a ETF from VanEck and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year MOAT returned +14.66% while SCHD returned +31.88%. Year to date, MOAT is up 7.42% versus a gain of 24.08% for SCHD.
Over three years, MOAT compounded at +11.75% per year against +14.92% for SCHD; over five years the annualized figures are +9.11% and +9.85% respectively. Across the full 15-year window we track, MOAT has the edge at +52.38% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
MOAT has been the more volatile fund, with annualized monthly volatility of 154573.1% compared with 13.6% for SCHD. 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 -96.0% for MOAT 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 -0.02. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
MOAT charges 0.46% per year while SCHD charges 0.06%. On a $10,000 position that is $46 vs $6 annually, a gap of $40 per year that compounds over a long holding period. On income, MOAT currently yields 1.35% against 3.31% for SCHD.
Holdings Overlap
MOAT and SCHD share 5 holdings out of 150 unique holdings combined, representing a 6.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in MOAT | Weight in SCHD | Difference |
|---|---|---|---|
| BMY | 2.60% | 3.22% | 0.62% |
| PEP | 1.17% | 3.72% | 2.55% |
| BX | 1.35% | 2.38% | 1.03% |
| BR | Pro | Pro | Pro |
| HSY | Pro | Pro | Pro |
See all 5 holdings MOAT shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, MOAT or SCHD?
MOAT has an expense ratio of 0.46% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, MOAT or SCHD?
Over the past year MOAT returned +14.66% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), MOAT annualized +52.38% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, MOAT or SCHD?
MOAT has been the more volatile fund at 154573.1% annualized versus 13.6% for SCHD. Worst drawdown: MOAT -96.0% vs SCHD -33.4%.
Should I hold both MOAT and SCHD?
MOAT and SCHD have a monthly-return correlation of -0.02, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between MOAT and SCHD?
MOAT and SCHD share 5 common holdings with a 6.2% weight overlap. Combined, they hold 150 unique securities.
Which pays a higher dividend, MOAT or SCHD?
MOAT yields 1.35% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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