RIFR vs SCHD
Russell Investments Global Infrastructure 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 104 holdings.
Side-by-Side Comparison
| Metric | RIFR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.59% | 0.06% | |
| AUM | $44M | $108.7B | |
| Dividend Yield | 0.87% | 3.13% | |
| Holdings | 67 | 104 | |
| YTD Return | +11.24% | +26.54% | |
| 1Y Return | +12.95% | +30.90% | |
| 3Y Return (annualized) | - | +16.29% | |
| 5Y Return (annualized) | - | +9.65% | |
| Volatility (annualized) | 10.9% | 13.6% | |
| Max Drawdown | -6.8% | -33.4% | |
| Fund Family | Russell Investments | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 13, 2025 | Oct 20, 2011 |
RIFR vs SCHD Performance
Russell Investments Global Infrastructure ETF (RIFR) is a ETF from Russell Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RIFR returned +12.95% while SCHD returned +30.90%. Year to date, RIFR is up 11.24% versus a gain of 26.54% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 10.9% for RIFR. 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 -6.8% for RIFR 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RIFR charges 0.59% per year while SCHD charges 0.06%. On a $10,000 position that is $59 vs $6 annually, a gap of $53 per year that compounds over a long holding period. On income, RIFR currently yields 0.87% against 3.13% for SCHD.
Holdings Overlap
RIFR and SCHD share 1 holdings out of 159 unique holdings combined, representing a 1.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RIFR | Weight in SCHD | Difference |
|---|---|---|---|
| OKE | 2.01% | 1.36% | 0.65% |
Frequently Asked Questions
Which is cheaper, RIFR or SCHD?
RIFR has an expense ratio of 0.59% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $53 per year of difference.
Which performed better, RIFR or SCHD?
Over the past year RIFR returned +12.95% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), RIFR annualized +15.58% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, RIFR or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.9% for RIFR. Worst drawdown: RIFR -6.8% vs SCHD -33.4%.
Should I hold both RIFR and SCHD?
RIFR and SCHD have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RIFR and SCHD?
RIFR and SCHD share 1 common holdings with a 1.4% weight overlap. Combined, they hold 159 unique securities.
Which pays a higher dividend, RIFR or SCHD?
RIFR yields 0.87% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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