RINF vs SCHD
ProShares Inflation Expectations 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 100 holdings.
Side-by-Side Comparison
| Metric | RINF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.06% | |
| AUM | $18M | $103.7B | |
| Dividend Yield | 3.69% | 3.31% | |
| Holdings | 6 | 104 | |
| YTD Return | +2.68% | +25.62% | |
| 1Y Return | +3.17% | +32.62% | |
| 3Y Return (annualized) | +3.19% | +15.58% | |
| 5Y Return (annualized) | +5.24% | +9.63% | |
| Volatility (annualized) | 10.3% | 13.6% | |
| Max Drawdown | -50.9% | -33.4% | |
| Fund Family | ProShares | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jan 10, 2012 | Oct 20, 2011 |
RINF vs SCHD Performance
ProShares Inflation Expectations ETF (RINF) is a ETF from ProShares and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RINF returned +3.17% while SCHD returned +32.62%. Year to date, RINF is up 2.68% versus a gain of 25.62% for SCHD.
Over three years, RINF compounded at +3.19% per year against +15.58% for SCHD; over five years the annualized figures are +5.24% and +9.63% respectively. Across the full 15-year window we track, SCHD has the edge at +11.47% annualized vs -0.05%. 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 10.3% for RINF. 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 -50.9% for RINF 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 0.40. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RINF charges 0.30% per year while SCHD charges 0.06%. On a $10,000 position that is $30 vs $6 annually, a gap of $24 per year that compounds over a long holding period. On income, RINF currently yields 3.69% against 3.31% for SCHD.
Holdings Overlap
RINF and SCHD share 0 holdings out of 101 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, RINF or SCHD?
RINF has an expense ratio of 0.30% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $24 per year of difference.
Which performed better, RINF or SCHD?
Over the past year RINF returned +3.17% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), RINF annualized -0.05% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, RINF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.3% for RINF. Worst drawdown: RINF -50.9% vs SCHD -33.4%.
Should I hold both RINF and SCHD?
RINF and SCHD have a monthly-return correlation of 0.40, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RINF and SCHD?
RINF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, RINF or SCHD?
RINF yields 3.69% while SCHD yields 3.31%, so RINF currently pays the higher dividend yield.
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