EZM vs SCHR Fund Comparison

A comparison between EZM and SCHR based on their expense ratio, growth, holdings and how well they match their benchmark performance.

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Minafi's Take on EZM vs SCHR

Here's an in depth look at the differences between WisdomTree U.S. MidCap Earnings Fund ($EZM) and Schwab Intermediate-Term U.S. Treasury ETF ($SCHR).

To start off, here's a look at the basics of each fund. Keep an eye on the FI Score. That's a custom score from 0 to 100 that we generate based on how good this fund is for the casual investor. Most investors only need a handful of total funds in their portfolio. The higher the score, the more likely this is one of those few. Score alone isn't enough! Keep reading on to see how different (or perhaps similar) these two funds are.

54% FI Score
  • ezm
  • ETF
  • US Stocks
  • Mid-Cap Blend

WisdomTree U.S. MidCap Earnings Fund

Expenses: 0.38% (Better than 1% of similar funds)

This is an OK choice for a Mid-Cap Blend US Stocks fund. See why »

89% FI Score
  • schr
  • ETF
  • Bond
  • Government Bond

Schwab Intermediate-Term U.S. Treasury ETF

Expenses: 0.05% (Better than 1% of similar funds)

This is an OK choice for a Government Bond Bond fund. See why »

Both $EZM and $SCHR are categorized as ETFs. ETFs have an added bonus over mutual funds of being more widely available. Mutual funds are often limited to only the issuing investment brokerage. Since these are both ETFs, you may be able to find these at a wider number of investment apps and websites.

The biggest disadvantage of ETFs is that some platforms only allow you to purchase ETFs in whole shares. So if an ETF is going for $75, you may need to invest in increments of $75. Most 401(k)'s allow for investing down to the penny, but you'll want to verify your platform allows for "fractional ETF Shares".

To learn more about the difference between these two, you can read about the difference between ETFs and Mutual Funds.

When evaluating a fund, the first things I look at are:

  • What it invests in
  • How much it charges in fees
  • How large the fund is

Let's look into these criteria one by one and see if either of these funds stands out.

Fund Holdings Comparison

Minafi's FI Score algorithm takes into account the category and market. The more niche a fund is, the lower the score. This doesn't mean it's a worse fund, but it does mean you should stop and make sure this a fund you need to diversify your portfolio.

EZM SCHR
Market Score 6.6 /10 8.6 /10
Category Score 5.0 /10 8.0 /10
Total 11.6 16.6

A score of 10 means this is a solid market and category that almost every investor will want to have investments in. The lower the score, the more specific the investment. These scores are based on when most investors would add these funds to their portfolio. A score of 10 means that this fund (or one like it) belongs in a three-fund portfolio. The lower the score, the farther down in your portfolio a fund would go.

Winner: $SCHR

Fee Comparison

Fees are one of the biggest killers of portfolio growth. The difference between a 2% fee and a 0.04% fee over 30 years can result in your portfolio having half the total value!

If you're just getting started investing and learning how fees impact your portfolio, I'd encourage you to read through my free investment course (specifically '2.2 - All About Fees') where I go over all the different types of fees you can be charged and how to lower them.

For these two funds, EZM has an expense ratio of 0.38% while SCHR has an expense ratio of 0.05%. In this case, both of these funds have a similar fee.

Winner: $SCHR (barely)

Fund Size Comparison

One place these two funds differ is in their total assets under management. This is a good indication of how many other investors trust this fund. A large fund by itself doesn't mean it's a good fund, but it is one thing to consider when figuring out how to choose the right fund.

In the case of these two funds, EZM is a medium fund with 594 Million in assets under management. SCHR, on the other hand, is a large fund with 5.29 Billion in assets under management.

Winner: $SCHR, Schwab Intermediate-Term U.S. Treasury ETF

Which Should You Choose? EZM or SCHR?

Comparing these two funds isn't an apples to apples comparison. EZM is a US Stocks Mid-Cap Blend fund, while SCHR is a Bond Government Bond fund.

If you're aiming to build a diversified, low-fee, tax-optimized portfolio you likely won't be choosing between these two funds since they're different enough.

Running both of these funds through Minafi's FI Score algorithm, gives EZM a score of 54 and SCHR a score of 89.

Winner: Neither, I'd research more funds if you're looking to invest for retirement.

$EZM

WisdomTree U.S. MidCap Earnings Fund

54

Read More
Ratings
Rating Type Rating
Diversification Score 0 /10
Expense Ratio Score 8 /10
Expense Rating 6 /10
Market Score 7 /10
Category Score 5 /10
Overview
Overview Details
Fund Type ETF
Inception Date Feb-23-2007
Exchange NYSE ARCA
Expense Ratio 0.380%
Net Assets 594 Million
Yield 2.03%
Holdings
Description Info
Market US Stocks
Category Mid-Cap Blend
Sectors
  • Basic Materials 5.39%
  • Communication Services 3.29%
  • Consumer Cyclicals 20.21%
  • Consumer Defensive 3.50%
  • Energy 4.12%
  • Financial Services 23.34%
  • Healthcare 5.93%
  • Industrials 18.79%
  • Real Estate 4.62%
  • Technology 8.26%
  • Utilities 2.54%
Regions
  • Latin America 0.00%
  • North America 100.00%

$SCHR

Schwab Intermediate-Term U.S. Treasury ETF

89

Read More
Ratings
Rating Type Rating
Expense Ratio Score 9 /10
Expense Rating 10 /10
Market Score 9 /10
Category Score 8 /10
Overview
Overview Details
Fund Type ETF
Inception Date Aug-5-2010
Exchange NYSE ARCA
Expense Ratio 0.050%
Net Assets 5.29 Billion
Yield 2.08%
Holdings
Description Info
Market Bond
Category Government Bond
Sectors
  • Basic Materials 0.00%
  • Communication Services 0.00%
  • Consumer Cyclicals 0.00%
  • Consumer Defensive 0.00%
  • Energy 0.00%
  • Financial Services 0.00%
  • Healthcare 0.00%
  • Industrials 0.00%
  • Real Estate 0.00%
  • Technology 0.00%
  • Utilities 0.00%

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