RCS vs SCHD
PIMCO Strategic Income Fund Inc. vs Schwab US Dividend Equity ETF
Which is better, RCS or SCHD?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window.
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 | RCS | SCHD |
|---|---|---|
| Expense Ratio | 0.98% | 0.06%Best |
| AUM | $218M | $112.2B |
| Dividend Yield | 10.53% | 3.13% |
| Holdings | 503 | 103 |
| YTD Return | -5.89% | +27.56%Best |
| 1Y Return | -22.30% | +30.29%Best |
| 3Y Return (annualized) | +6.48% | +16.37%Best |
| 5Y Return (annualized) | +1.75% | +10.23%Best |
| Volatility (annualized) | 19.3% | 13.6%Best |
| Max Drawdown | -58.7% | -33.4%Best |
| $10,000 over 5 years | $10,906 | $16,274Best |
| Fund Family | PIMCO (US) | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Value |
| Inception | Feb 24, 1994 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 4, 2026 (14.9 years).
RCS 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 14.9 years both funds cover.
RCS vs SCHD Performance
PIMCO Strategic Income Fund Inc. (RCS) is an ETF from PIMCO (US) and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year RCS returned -22.30% while SCHD returned +30.29%. Year to date, RCS is down 5.89% versus a gain of 27.56% for SCHD.
Over three years, RCS compounded at +6.48% per year against +16.37% for SCHD; over five years the annualized figures are +1.75% and +10.23% respectively. Across the full 15-year window we track, SCHD has the edge at +11.53% annualized vs -1.64%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RCS has been the more volatile fund, with annualized monthly volatility of 19.3% compared with 13.6% for SCHD. 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 -58.7% for RCS and -33.4% 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 0.54. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RCS charges 0.98% per year while SCHD charges 0.06%. On a $10,000 position that is $98 vs $6 annually, a gap of $92 per year that compounds over a long holding period. On income, RCS currently yields 10.53% against 3.13% for SCHD.
Holdings Overlap
We hold position weights for 19 holdings in RCS and 100 in SCHD, totalling 7.2% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 311 days apart, RCS as of Sep 30, 2025 and SCHD as of Aug 7, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 19 positions we hold weights for in RCS and 100 in SCHD, against full books of 503 and 103.
You are not choosing between two funds in isolation.
Whichever of RCS 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, RCS or SCHD?
RCS has an expense ratio of 0.98% while SCHD charges 0.06%. SCHD is the cheaper option, by $92 a year on a $10,000 investment.
Which performed better, RCS or SCHD?
Over the past year RCS returned -22.30% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), RCS annualized -1.64% vs +11.53% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RCS or SCHD?
RCS has been the more volatile fund at 19.3% annualized versus 13.6% for SCHD. Worst drawdown: RCS -58.7% vs SCHD -33.4%.
Should I hold both RCS and SCHD?
RCS and SCHD have a monthly-return correlation of 0.54, 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, RCS or SCHD?
RCS yields 10.53% while SCHD yields 3.13%, so RCS currently pays the higher dividend yield.
Is SCHD better than RCS?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.