RFIX vs SCHD
RFIX vs SCHD
Simplify Bond Bull 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 | RFIX | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $47M | $103.7B | |
| Dividend Yield | 4.31% | 3.31% | |
| Holdings | 12 | 104 | |
| YTD Return | +1.27% | +24.26% | |
| 1Y Return | -14.41% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 20.9% | 13.6% | |
| Max Drawdown | -38.8% | -33.4% | |
| Fund Family | Simplify Exchange Traded Funds | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Dec 9, 2024 | Oct 20, 2011 |
RFIX vs SCHD Performance
Simplify Bond Bull ETF (RFIX) is a ETF from Simplify Exchange Traded Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RFIX returned -14.41% while SCHD returned +31.38%. Year to date, RFIX is up 1.27% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
RFIX has been the more volatile fund, with annualized monthly volatility of 20.9% 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 -38.8% for RFIX 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 0.20. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RFIX charges 0.50% per year while SCHD charges 0.06%. On a $10,000 position that is $50 vs $6 annually, a gap of $44 per year that compounds over a long holding period. On income, RFIX currently yields 4.31% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, RFIX or SCHD?
RFIX has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, RFIX or SCHD?
Over the past year RFIX returned -14.41% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), RFIX annualized -23.05% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RFIX or SCHD?
RFIX has been the more volatile fund at 20.9% annualized versus 13.6% for SCHD. Worst drawdown: RFIX -38.8% vs SCHD -33.4%.
Should I hold both RFIX and SCHD?
RFIX and SCHD have a monthly-return correlation of 0.20, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, RFIX or SCHD?
RFIX yields 4.31% while SCHD yields 3.31%, so RFIX currently pays the higher dividend yield.
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