RISR vs SCHD
FolioBeyond Alternative Income and Interest Rate Hedge ETF vs Schwab US Dividend Equity ETF
Which is better, RISR or SCHD?
Opposite sides of the same exposure.
SCHD has a lower expense ratio. RISR led over 5Y and the full window, SCHD over 1Y and 3Y. The two move opposite each other, correlation -0.50, so holding both offsets the exposure while paying both fees.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | RISR | SCHD |
|---|---|---|
| Expense Ratio | 1.04% | 0.06%Best |
| AUM | $327M | $112.2B |
| Dividend Yield | 6.38% | 3.13% |
| Holdings | 143 | 103 |
| YTD Return | +6.12% | +27.56%Best |
| 1Y Return | +5.31% | +30.29%Best |
| 3Y Return (annualized) | +10.04% | +16.37%Best |
| 5Y Return (annualized) | +14.36%Best | +10.23% |
| Volatility (annualized) | 10.1%Best | 14.8% |
| Max Drawdown | -14.3%Best | -16.9% |
| $10,000 over 5 years | $19,560Best | $16,274 |
| Fund Family | FolioBeyond | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Long Term High Quality | Large Cap Value |
| Inception | Sep 30, 2021 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 1, 2021 to Sep 4, 2026 (4.9 years).
RISR vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 4.9 years both funds cover.
RISR vs SCHD Performance
FolioBeyond Alternative Income and Interest Rate Hedge ETF (RISR) is an ETF from FolioBeyond and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year RISR returned +5.31% while SCHD returned +30.29%. Year to date, RISR is up 6.12% versus a gain of 27.56% for SCHD.
Over three years, RISR compounded at +10.04% per year against +16.37% for SCHD; over five years the annualized figures are +14.36% and +10.23% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.8% compared with 10.1% for RISR. 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 -14.3% for RISR and -16.9% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at -0.50. They move opposite each other. Holding both offsets the exposure rather than spreading it, while paying both funds' fees.
Fees and Cost Over Time
RISR charges 1.04% per year while SCHD charges 0.06%. On a $10,000 position that is $104 vs $6 annually, a gap of $98 per year that compounds over a long holding period. On income, RISR currently yields 6.38% against 3.13% for SCHD.
Holdings Overlap
We hold position weights for 1 holding in RISR and 100 in SCHD, totalling 7.4% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 1 positions we hold weights for in RISR and 100 in SCHD, against full books of 143 and 103.
You are not choosing between two funds in isolation.
Whichever of RISR and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RISR or SCHD?
RISR has an expense ratio of 1.04% while SCHD charges 0.06%. SCHD is the cheaper option, by $98 a year on a $10,000 investment.
Which performed better, RISR or SCHD?
Over the past year RISR returned +5.31% vs +30.29% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RISR or SCHD?
SCHD has been the more volatile fund at 14.8% annualized versus 10.1% for RISR. Worst drawdown: RISR -14.3% vs SCHD -16.9%.
Should I hold both RISR and SCHD?
RISR and SCHD have a monthly-return correlation of -0.50, so they move opposite each other. Holding both offsets the exposure rather than spreading it, and pays both funds' fees on the way. This is information, not a recommendation.
Which pays a higher dividend, RISR or SCHD?
RISR yields 6.38% while SCHD yields 3.13%, so RISR currently pays the higher dividend yield.
Is SCHD better than RISR?
SCHD has a lower expense ratio. RISR led over 5Y and the full window, SCHD over 1Y and 3Y. The two move opposite each other, correlation -0.50, so holding both offsets the exposure while paying both fees. Which one suits a particular account depends on what it is for. This is information, not a recommendation.