RILA vs SCHD
Indexperts Gorilla Aggressive Growth ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. RILA offers more diversification with 172 holdings.
Side-by-Side Comparison
| Metric | RILA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $46M | $108.7B | |
| Dividend Yield | 0.11% | 3.13% | |
| Holdings | 172 | 104 | |
| YTD Return | +5.81% | +27.67% | |
| 1Y Return | +8.21% | +31.26% | |
| 3Y Return (annualized) | - | +16.66% | |
| 5Y Return (annualized) | - | +10.18% | |
| Volatility (annualized) | 15.6% | 13.6% | |
| Max Drawdown | -20.0% | -33.4% | |
| Fund Family | Indexperts | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Dec 31, 2024 | Oct 20, 2011 |
RILA vs SCHD Performance
Indexperts Gorilla Aggressive Growth ETF (RILA) is a ETF from Indexperts and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RILA returned +8.21% while SCHD returned +31.26%. Year to date, RILA is up 5.81% versus a gain of 27.67% for SCHD.
Risk: Volatility and Drawdowns
RILA has been the more volatile fund, with annualized monthly volatility of 15.6% 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 -20.0% for RILA 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 -0.07. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RILA 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, RILA currently yields 0.11% against 3.13% for SCHD.
Holdings Overlap
RILA and SCHD share 3 holdings out of 267 unique holdings combined, representing a 1.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RILA or SCHD?
RILA 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, RILA or SCHD?
Over the past year RILA returned +8.21% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), RILA annualized +12.66% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, RILA or SCHD?
RILA has been the more volatile fund at 15.6% annualized versus 13.6% for SCHD. Worst drawdown: RILA -20.0% vs SCHD -33.4%.
Should I hold both RILA and SCHD?
RILA and SCHD have a monthly-return correlation of -0.07, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RILA and SCHD?
RILA and SCHD share 3 common holdings with a 1.5% weight overlap. Combined, they hold 267 unique securities.
Which pays a higher dividend, RILA or SCHD?
RILA yields 0.11% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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