MOOD vs SCHD
Relative Sentiment Tactical Allocation ETF vs Schwab US Dividend Equity ETF
Which is better, MOOD or SCHD?
Tactical Allocation against Large Cap Value.
SCHD has a lower expense ratio. MOOD led over 3Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.6% of the fund in its ten largest positions against 100.0%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | MOOD | SCHD |
|---|---|---|
| Expense Ratio | 0.73% | 0.06%Best |
| AUM | $161M | $111.6B |
| Dividend Yield | 0.35% | 3.24% |
| Holdings | 11 | 206 |
| YTD Return | +15.83% | +24.55%Best |
| 1Y Return | +22.31% | +29.85%Best |
| 3Y Return (annualized) | +22.83%Best | +16.64% |
| 5Y Return (annualized) | - | +9.54% |
| Volatility (annualized) | 12.3%Best | 15.3% |
| Max Drawdown | -14.3%Best | -16.1% |
| $10,000 over 4.4 years | $18,881Best | $16,004 |
| Top 10 Weight | 100.0% | 41.6%Best |
| Fund Family | Relative Sentiment technologies | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Tactical Allocation | Large Cap Value |
| Inception | May 19, 2022 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 4.4 years row, are measured over the window both funds cover: May 19, 2022 to Oct 14, 2026 (4.4 years).
MOOD vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4.4 years both funds cover.
MOOD vs SCHD Performance
Relative Sentiment Tactical Allocation ETF (MOOD) is an ETF from Relative Sentiment technologies and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year MOOD returned +22.31% while SCHD returned +29.85%. Year to date, MOOD is up 15.83% versus a gain of 24.55% for SCHD.
Over three years, MOOD compounded at +22.83% per year against +16.64% for SCHD. Across the full 4-year window we track, MOOD has the edge at +15.54% annualized vs +11.28%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 12.3% for MOOD. 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 -14.3% for MOOD and -16.1% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
MOOD charges 0.73% per year while SCHD charges 0.06%. On a $10,000 position that is $73 vs $6 annually, a gap of $67 per year that compounds over a long holding period. On income, MOOD currently yields 0.35% against 3.24% for SCHD.
Holdings Overlap
We hold position weights for 10 holdings in MOOD and 98 in SCHD, totalling 100.0% and 99.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 10 positions we hold weights for in MOOD and 98 in SCHD, against full books of 11 and 206.
What only one of them owns
Measured across the 10 and 98 positions we hold weights for.
SCHD holds 97 positions MOOD does not, 99.8% of the fund.
Largest: TXN 4.89%, QCOM 4.61%, PG 4.16%, CVX 4.14%, KO 4.12%
You are not choosing between two funds in isolation.
Whichever of MOOD and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, MOOD or SCHD?
MOOD has an expense ratio of 0.73% while SCHD charges 0.06%. SCHD is the cheaper option, by $67 a year on a $10,000 investment.
Which performed better, MOOD or SCHD?
Over the past year MOOD returned +22.31% vs +29.85% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), MOOD annualized +15.54% vs +11.28% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, MOOD or SCHD?
SCHD has been the more volatile fund at 15.3% annualized versus 12.3% for MOOD. Worst drawdown: MOOD -14.3% vs SCHD -16.1%.
Should I hold both MOOD and SCHD?
MOOD and SCHD have a monthly-return correlation of 0.77, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, MOOD or SCHD?
MOOD yields 0.35% while SCHD yields 3.24%, so SCHD currently pays the higher dividend yield.
Is SCHD better than MOOD?
SCHD has a lower expense ratio. MOOD led over 3Y and the full window, SCHD over 1Y. SCHD is less concentrated, with 41.6% of the fund in its ten largest positions against 100.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.