RBIL vs SCHD
F/m Ultrashort Treasury Inflation-Protected Security (TIPS) 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 104 holdings.
Side-by-Side Comparison
| Metric | RBIL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.17% | 0.06% | |
| AUM | $155M | $108.7B | |
| Dividend Yield | 4.16% | 3.13% | |
| Holdings | 6 | 104 | |
| YTD Return | +2.58% | +27.93% | |
| 1Y Return | +3.51% | +30.06% | |
| 3Y Return (annualized) | - | +16.25% | |
| 5Y Return (annualized) | - | +10.03% | |
| Volatility (annualized) | 1.0% | 13.6% | |
| Max Drawdown | -0.6% | -33.4% | |
| Fund Family | US Benchmark Series | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 24, 2025 | Oct 20, 2011 |
RBIL vs SCHD Performance
F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF (RBIL) is a ETF from US Benchmark Series and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RBIL returned +3.51% while SCHD returned +30.06%. Year to date, RBIL is up 2.58% versus a gain of 27.93% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 1.0% for RBIL. 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 -0.6% for RBIL 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 -0.22. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RBIL charges 0.17% per year while SCHD charges 0.06%. On a $10,000 position that is $17 vs $6 annually, a gap of $11 per year that compounds over a long holding period. On income, RBIL currently yields 4.16% against 3.13% for SCHD.
Holdings Overlap
RBIL and SCHD share 0 holdings out of 105 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, RBIL or SCHD?
RBIL has an expense ratio of 0.17% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $11 per year of difference.
Which performed better, RBIL or SCHD?
Over the past year RBIL returned +3.51% vs +30.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), RBIL annualized +4.00% vs +11.56% for SCHD. Past performance does not guarantee future results.
Which is riskier, RBIL or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.0% for RBIL. Worst drawdown: RBIL -0.6% vs SCHD -33.4%.
Should I hold both RBIL and SCHD?
RBIL and SCHD have a monthly-return correlation of -0.22, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RBIL and SCHD?
RBIL and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 105 unique securities.
Which pays a higher dividend, RBIL or SCHD?
RBIL yields 4.16% while SCHD yields 3.13%, so RBIL currently pays the higher dividend yield.
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