RIFR vs SCHD
Russell Investments Global Infrastructure ETF vs Schwab US Dividend Equity ETF
Which is better, RIFR or SCHD?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. RIFR is less concentrated, with 37.8% 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 | RIFR | SCHD |
|---|---|---|
| Expense Ratio | 0.59% | 0.06%Best |
| AUM | $44M | $112.1B |
| Dividend Yield | 0.88% | 3.00% |
| Holdings | 69 | 103 |
| YTD Return | +8.37% | +25.07%Best |
| 1Y Return | +11.07% | +27.61%Best |
| 3Y Return (annualized) | - | +15.74% |
| 5Y Return (annualized) | - | +9.89% |
| Volatility (annualized) | 10.9%Best | 12.3% |
| Max Drawdown | -6.8% | -4.6%Best |
| $10,000 over 1.3 years | $11,640 | $13,647Best |
| Top 10 Weight | 37.8%Best | 41.8% |
| Fund Family | Russell Investments | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Value |
| Inception | May 13, 2025 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 1.3 years row, are measured over the window both funds cover: May 14, 2025 to Sep 11, 2026 (1.3 years).
RIFR 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 1.3 years both funds cover.
RIFR vs SCHD Performance
Russell Investments Global Infrastructure ETF (RIFR) is an ETF from Russell Investments and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year RIFR returned +11.07% while SCHD returned +27.61%. Year to date, RIFR is up 8.37% versus a gain of 25.07% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 12.3% 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 -4.6% 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 0.67. They move together some of the time, and apart the rest.
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 0.88% against 3.00% for SCHD.
Holdings Overlap
2.3% of RIFR's money is in holdings SCHD also owns. 1.5% of SCHD's money is in holdings RIFR also owns.
RIFR and SCHD share little of their money.
1 positions in common, counted across the 61 positions we hold weights for in RIFR and 100 in SCHD, against full books of 69 and 103.
What only one of them owns
Our book lists 98 positions for SCHD that do not appear in our book for RIFR (98.5% of the fund), and 22 for RIFR that do not appear in SCHD (36.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in RIFR | Weight in SCHD | Difference |
|---|---|---|---|
| OKEOneok Inc. | 2.31% | 1.47% | 0.84% |
You are not choosing between two funds in isolation.
Whichever of RIFR 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, RIFR or SCHD?
RIFR has an expense ratio of 0.59% while SCHD charges 0.06%. SCHD is the cheaper option, by $53 a year on a $10,000 investment.
Which performed better, RIFR or SCHD?
Over the past year RIFR returned +11.07% vs +27.61% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), RIFR annualized +12.39% vs +27.02% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RIFR or SCHD?
SCHD has been the more volatile fund at 12.3% annualized versus 10.9% for RIFR. Worst drawdown: RIFR -6.8% vs SCHD -4.6%.
Should I hold both RIFR and SCHD?
RIFR and SCHD have a monthly-return correlation of 0.67, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between RIFR and SCHD?
2.3% of RIFR's money is in holdings SCHD also owns. 1.5% of SCHD's is in holdings RIFR also owns. They hold 1 positions in common, counted across the 61 positions we hold weights for in RIFR and 100 in SCHD.
Which pays a higher dividend, RIFR or SCHD?
RIFR yields 0.88% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than RIFR?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. RIFR is less concentrated, with 37.8% 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.