RISN vs SCHD
Inspire Capital Appreciation 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 104 holdings.
Side-by-Side Comparison
| Metric | RISN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.72% | 0.06% | |
| AUM | $73M | $108.7B | |
| Dividend Yield | 1.16% | 3.13% | |
| Holdings | 29 | 104 | |
| YTD Return | +8.53% | +26.50% | |
| 1Y Return | +12.09% | +31.25% | |
| 3Y Return (annualized) | +11.65% | +16.34% | |
| 5Y Return (annualized) | +4.20% | +10.10% | |
| Volatility (annualized) | 11.1% | 13.6% | |
| Max Drawdown | -21.9% | -33.4% | |
| Fund Family | Inspire ETFs | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jul 15, 2020 | Oct 20, 2011 |
RISN vs SCHD Performance
Inspire Capital Appreciation ETF (RISN) is a ETF from Inspire ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RISN returned +12.09% while SCHD returned +31.25%. Year to date, RISN is up 8.53% versus a gain of 26.50% for SCHD.
Over three years, RISN compounded at +11.65% per year against +16.34% for SCHD; over five years the annualized figures are +4.20% and +10.10% respectively. Across the full 6-year window we track, SCHD has the edge at +11.50% annualized vs +6.60%. 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 11.1% for RISN. 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 -21.9% for RISN 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RISN charges 0.72% per year while SCHD charges 0.06%. On a $10,000 position that is $72 vs $6 annually, a gap of $66 per year that compounds over a long holding period. On income, RISN currently yields 1.16% against 3.13% for SCHD.
Holdings Overlap
RISN and SCHD share 4 holdings out of 124 unique holdings combined, representing a 8.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RISN or SCHD?
RISN has an expense ratio of 0.72% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, RISN or SCHD?
Over the past year RISN returned +12.09% vs +31.25% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), RISN annualized +6.60% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, RISN or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.1% for RISN. Worst drawdown: RISN -21.9% vs SCHD -33.4%.
Should I hold both RISN and SCHD?
RISN and SCHD have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RISN and SCHD?
RISN and SCHD share 4 common holdings with a 8.0% weight overlap. Combined, they hold 124 unique securities.
Which pays a higher dividend, RISN or SCHD?
RISN yields 1.16% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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