RCGE vs SCHD
RockCreek Global Equality ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. RCGE offers more diversification with 201 holdings.
Side-by-Side Comparison
| Metric | RCGE | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.95% | 0.06% | |
| AUM | $100M | $103.7B | |
| Dividend Yield | 1.73% | 3.31% | |
| Holdings | 204 | 104 | |
| YTD Return | +10.98% | +25.58% | |
| 1Y Return | +17.36% | +31.06% | |
| 3Y Return (annualized) | - | +15.55% | |
| 5Y Return (annualized) | - | +9.61% | |
| Volatility (annualized) | 9.4% | 13.6% | |
| Max Drawdown | -12.4% | -33.4% | |
| Fund Family | RockCreek | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 26, 2025 | Oct 20, 2011 |
RCGE vs SCHD Performance
RockCreek Global Equality ETF (RCGE) is a ETF from RockCreek and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RCGE returned +17.36% while SCHD returned +31.06%. Year to date, RCGE is up 10.98% versus a gain of 25.58% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.4% for RCGE. 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 -12.4% for RCGE 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RCGE charges 0.95% per year while SCHD charges 0.06%. On a $10,000 position that is $95 vs $6 annually, a gap of $89 per year that compounds over a long holding period. On income, RCGE currently yields 1.73% against 3.31% for SCHD.
Holdings Overlap
RCGE and SCHD share 14 holdings out of 287 unique holdings combined, representing a 5.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RCGE or SCHD?
RCGE has an expense ratio of 0.95% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $89 per year of difference.
Which performed better, RCGE or SCHD?
Over the past year RCGE returned +17.36% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), RCGE annualized +20.17% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, RCGE or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.4% for RCGE. Worst drawdown: RCGE -12.4% vs SCHD -33.4%.
Should I hold both RCGE and SCHD?
RCGE and SCHD have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RCGE and SCHD?
RCGE and SCHD share 14 common holdings with a 5.8% weight overlap. Combined, they hold 287 unique securities.
Which pays a higher dividend, RCGE or SCHD?
RCGE yields 1.73% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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