RIGS vs SCHD
RIGS vs SCHD
ALPS Strategic Income Fund 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 | RIGS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.46% | 0.06% | |
| AUM | $61M | $103.7B | |
| Dividend Yield | 4.82% | 3.31% | |
| Holdings | 80 | 104 | |
| YTD Return | +1.40% | +24.26% | |
| 1Y Return | +6.14% | +31.38% | |
| 3Y Return (annualized) | +4.84% | +15.08% | |
| 5Y Return (annualized) | +2.12% | +9.72% | |
| Volatility (annualized) | 4.7% | 13.6% | |
| Max Drawdown | -18.2% | -33.4% | |
| Fund Family | ALPS Advisors | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Oct 7, 2013 | Oct 20, 2011 |
RIGS vs SCHD Performance
ALPS Strategic Income Fund (RIGS) is a ETF from ALPS Advisors and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RIGS returned +6.14% while SCHD returned +31.38%. Year to date, RIGS is up 1.40% versus a gain of 24.26% for SCHD.
Over three years, RIGS compounded at +4.84% per year against +15.08% for SCHD; over five years the annualized figures are +2.12% and +9.72% respectively. Across the full 13-year window we track, SCHD has the edge at +11.39% annualized vs +1.02%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 4.7% for RIGS. 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 -18.2% for RIGS 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 0.62. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RIGS charges 0.46% per year while SCHD charges 0.06%. On a $10,000 position that is $46 vs $6 annually, a gap of $40 per year that compounds over a long holding period. On income, RIGS currently yields 4.82% against 3.31% for SCHD.
Holdings Overlap
RIGS and SCHD share 0 holdings out of 169 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, RIGS or SCHD?
RIGS has an expense ratio of 0.46% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, RIGS or SCHD?
Over the past year RIGS returned +6.14% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), RIGS annualized +1.02% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RIGS or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.7% for RIGS. Worst drawdown: RIGS -18.2% vs SCHD -33.4%.
Should I hold both RIGS and SCHD?
RIGS and SCHD have a monthly-return correlation of 0.62, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RIGS and SCHD?
RIGS and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 169 unique securities.
Which pays a higher dividend, RIGS or SCHD?
RIGS yields 4.82% while SCHD yields 3.31%, so RIGS currently pays the higher dividend yield.
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