RDTY vs SCHD
RDTY vs SCHD
YieldMax Russell 2000 0DTE Covered Call Strategy 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 | RDTY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.73% | 0.06% | |
| AUM | $31M | $103.7B | |
| Dividend Yield | 43.62% | 3.31% | |
| Holdings | 4 | 104 | |
| YTD Return | +19.71% | +24.26% | |
| 1Y Return | +26.91% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 15.1% | 13.6% | |
| Max Drawdown | -16.2% | -33.4% | |
| Fund Family | YieldMax ETF | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Mar 5, 2025 | Oct 20, 2011 |
RDTY vs SCHD Performance
YieldMax Russell 2000 0DTE Covered Call Strategy ETF (RDTY) is a ETF from YieldMax ETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RDTY returned +26.91% while SCHD returned +31.38%. Year to date, RDTY is up 19.71% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
RDTY has been the more volatile fund, with annualized monthly volatility of 15.1% 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 -16.2% for RDTY 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RDTY charges 1.73% per year while SCHD charges 0.06%. On a $10,000 position that is $173 vs $6 annually, a gap of $167 per year that compounds over a long holding period. On income, RDTY currently yields 43.62% against 3.31% for SCHD.
Holdings Overlap
RDTY and SCHD share 0 holdings out of 101 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, RDTY or SCHD?
RDTY has an expense ratio of 1.73% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $167 per year of difference.
Which performed better, RDTY or SCHD?
Over the past year RDTY returned +26.91% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), RDTY annualized +32.57% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RDTY or SCHD?
RDTY has been the more volatile fund at 15.1% annualized versus 13.6% for SCHD. Worst drawdown: RDTY -16.2% vs SCHD -33.4%.
Should I hold both RDTY and SCHD?
RDTY and SCHD have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RDTY and SCHD?
RDTY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, RDTY or SCHD?
RDTY yields 43.62% while SCHD yields 3.31%, so RDTY currently pays the higher dividend yield.
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