RDFI vs SCHD
Rareview Dynamic Fixed Income 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 100 holdings.
Side-by-Side Comparison
| Metric | RDFI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 4.23% | 0.06% | |
| AUM | $84M | $103.7B | |
| Dividend Yield | 8.16% | 3.31% | |
| Holdings | 41 | 104 | |
| YTD Return | -2.22% | +24.26% | |
| 1Y Return | +1.13% | +31.38% | |
| 3Y Return (annualized) | +8.30% | +15.08% | |
| 5Y Return (annualized) | +1.77% | +9.72% | |
| Volatility (annualized) | 10.8% | 13.6% | |
| Max Drawdown | -23.7% | -33.4% | |
| Fund Family | Rareview Capital | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Oct 21, 2020 | Oct 20, 2011 |
RDFI vs SCHD Performance
Rareview Dynamic Fixed Income ETF (RDFI) is a ETF from Rareview Capital and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RDFI returned +1.13% while SCHD returned +31.38%. Year to date, RDFI is down 2.22% versus a gain of 24.26% for SCHD.
Over three years, RDFI compounded at +8.30% per year against +15.08% for SCHD; over five years the annualized figures are +1.77% and +9.72% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +5.20%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 10.8% for RDFI. 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 -23.7% for RDFI 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RDFI charges 4.23% per year while SCHD charges 0.06%. On a $10,000 position that is $423 vs $6 annually, a gap of $417 per year that compounds over a long holding period. On income, RDFI currently yields 8.16% against 3.31% for SCHD.
Holdings Overlap
RDFI and SCHD share 0 holdings out of 133 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, RDFI or SCHD?
RDFI has an expense ratio of 4.23% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $417 per year of difference.
Which performed better, RDFI or SCHD?
Over the past year RDFI returned +1.13% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), RDFI annualized +5.20% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RDFI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.8% for RDFI. Worst drawdown: RDFI -23.7% vs SCHD -33.4%.
Should I hold both RDFI and SCHD?
RDFI and SCHD have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RDFI and SCHD?
RDFI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 133 unique securities.
Which pays a higher dividend, RDFI or SCHD?
RDFI yields 8.16% while SCHD yields 3.31%, so RDFI currently pays the higher dividend yield.
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