MOAT vs SCHD: which was the better investment?
VanEck Morningstar Wide Moat ETF against Schwab U.S. Dividend Equity ETF on real daily total-return data — every dividend reinvested, from Apr 25, 2012 to Jul 13, 2026.
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Frequently asked questions
Did MOAT beat SCHD?
Yes — measured from Apr 25, 2012 to Jul 13, 2026 with dividends reinvested, MOAT came out ahead: $62,220 versus $55,658 from a $10,000 start. That gap compounds from a 13.7% annual return against 12.8%.
What would $10,000 in MOAT be worth today?
$10,000 invested in VanEck Morningstar Wide Moat ETF (MOAT) on Apr 25, 2012 would be worth about $62,220 as of Jul 13, 2026, a total return of 522.2% (13.7% per year). The same $10,000 in SCHD would be worth $55,658.
Which was riskier — MOAT or SCHD?
MOAT swung with an annualized volatility of 17.5% and a worst peak-to-trough drop of -33.3%; SCHD ran at 15.4% volatility with a -33.4% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.67 for MOAT vs 0.70 for SCHD.
What data is this comparison based on?
Daily adjusted closing prices covering Apr 25, 2012 through Jul 13, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with MOAT vs SCHD. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.