RIET vs SCHD
Hoya Capital High Dividend Yield ETF vs Schwab US Dividend Equity ETF
Which is better, RIET or SCHD?
Mid Cap Value against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. RIET is less concentrated, with 17.6% of the fund in its ten largest positions against 41.8%.
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 | RIET | SCHD |
|---|---|---|
| Expense Ratio | 0.50% | 0.06%Best |
| AUM | $109M | $112.1B |
| Dividend Yield | 10.97% | 3.00% |
| Holdings | 103 | 103 |
| YTD Return | +1.06% | +21.99%Best |
| 1Y Return | -0.12% | +25.92%Best |
| 3Y Return (annualized) | +6.52% | +15.66%Best |
| 5Y Return (annualized) | -1.43% | +9.48%Best |
| Volatility (annualized) | 20.8% | 15.0%Best |
| Max Drawdown | -34.6% | -16.9%Best |
| $10,000 over 5 years | $9,305 | $15,728Best |
| Top 10 Weight | 17.6%Best | 41.8% |
| Fund Family | Hoya Capital Real Estate, LLC | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Mid Cap Value | Large Cap Value |
| Inception | Sep 21, 2021 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Sep 22, 2021 to Sep 23, 2026 (5 years).
RIET 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 5 years both funds cover.
RIET vs SCHD Performance
Hoya Capital High Dividend Yield ETF (RIET) is an ETF from Hoya Capital Real Estate, LLC and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year RIET returned -0.12% while SCHD returned +25.92%. Year to date, RIET is up 1.06% versus a gain of 21.99% for SCHD.
Over three years, RIET compounded at +6.52% per year against +15.66% for SCHD; over five years the annualized figures are -1.43% and +9.48% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RIET has been the more volatile fund, with annualized monthly volatility of 20.8% compared with 15.0% 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 -34.6% for RIET and -16.9% 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RIET 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, RIET currently yields 10.97% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 95 holdings in RIET and 100 in SCHD, totalling 97.2% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 95 positions we hold weights for in RIET and 100 in SCHD, against full books of 103 and 103.
What only one of them owns
Measured across the 95 and 100 positions we hold weights for.
SCHD holds 99 positions RIET does not, 99.9% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
You are not choosing between two funds in isolation.
Whichever of RIET 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, RIET or SCHD?
RIET has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option, by $44 a year on a $10,000 investment.
Which performed better, RIET or SCHD?
Over the past year RIET returned -0.12% vs +25.92% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RIET or SCHD?
RIET has been the more volatile fund at 20.8% annualized versus 15.0% for SCHD. Worst drawdown: RIET -34.6% vs SCHD -16.9%.
Should I hold both RIET and SCHD?
RIET and SCHD have a monthly-return correlation of 0.82, 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, RIET or SCHD?
RIET yields 10.97% while SCHD yields 3.00%, so RIET currently pays the higher dividend yield.
Is SCHD better than RIET?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. RIET is less concentrated, with 17.6% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.