RING vs SCHD
iShares MSCI Global Gold Miners ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. RING delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | RING | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.06% | |
| AUM | $2.3B | $108.7B | |
| Dividend Yield | 1.37% | 3.13% | |
| Holdings | 54 | 104 | |
| YTD Return | +4.98% | +26.21% | |
| 1Y Return | +57.39% | +29.99% | |
| 3Y Return (annualized) | +52.92% | +15.73% | |
| 5Y Return (annualized) | +25.47% | +9.67% | |
| Volatility (annualized) | 37.9% | 13.6% | |
| Max Drawdown | -80.2% | -33.4% | |
| Fund Family | iShares by BlackRock (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jan 31, 2012 | Oct 20, 2011 |
RING vs SCHD Performance
iShares MSCI Global Gold Miners ETF (RING) is a ETF from iShares by BlackRock (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RING returned +57.39% while SCHD returned +29.99%. Year to date, RING is up 4.98% versus a gain of 26.21% for SCHD.
Over three years, RING compounded at +52.92% per year against +15.73% for SCHD; over five years the annualized figures are +25.47% and +9.67% respectively. Across the full 15-year window we track, SCHD has the edge at +11.50% annualized vs +3.53%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RING has been the more volatile fund, with annualized monthly volatility of 37.9% 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 -80.2% for RING 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 0.24. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RING charges 0.39% per year while SCHD charges 0.06%. On a $10,000 position that is $39 vs $6 annually, a gap of $33 per year that compounds over a long holding period. On income, RING currently yields 1.37% against 3.13% for SCHD.
Holdings Overlap
RING and SCHD share 0 holdings out of 141 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, RING or SCHD?
RING has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, RING or SCHD?
Over the past year RING returned +57.39% vs +29.99% for SCHD, so RING leads on 1-year performance. Over the longest common window we track (15 years), RING annualized +3.53% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, RING or SCHD?
RING has been the more volatile fund at 37.9% annualized versus 13.6% for SCHD. Worst drawdown: RING -80.2% vs SCHD -33.4%.
Should I hold both RING and SCHD?
RING and SCHD have a monthly-return correlation of 0.24, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RING and SCHD?
RING and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 141 unique securities.
Which pays a higher dividend, RING or SCHD?
RING yields 1.37% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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