RISR vs SCHD
FolioBeyond Alternative Income and Interest Rate Hedge 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 | RISR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.04% | 0.06% | |
| AUM | $305M | $103.7B | |
| Dividend Yield | 6.45% | 3.31% | |
| Holdings | 107 | 104 | |
| YTD Return | +5.94% | +25.62% | |
| 1Y Return | +5.73% | +32.62% | |
| 3Y Return (annualized) | +10.01% | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 10.2% | 13.6% | |
| Max Drawdown | -14.3% | -33.4% | |
| Fund Family | FolioBeyond | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 30, 2021 | Oct 20, 2011 |
RISR vs SCHD Performance
FolioBeyond Alternative Income and Interest Rate Hedge ETF (RISR) is a ETF from FolioBeyond and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RISR returned +5.73% while SCHD returned +32.62%. Year to date, RISR is up 5.94% versus a gain of 25.62% for SCHD.
Over three years, RISR compounded at +10.01% per year against +15.58% for SCHD. Across the full 5-year window we track, RISR has the edge at +14.53% annualized vs +11.47%. 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 10.2% 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 -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 -0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
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 6.45% against 3.31% for SCHD.
Holdings Overlap
RISR 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, RISR or SCHD?
RISR has an expense ratio of 1.04% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $98 per year of difference.
Which performed better, RISR or SCHD?
Over the past year RISR returned +5.73% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), RISR annualized +14.53% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, RISR or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.2% for RISR. Worst drawdown: RISR -14.3% vs SCHD -33.4%.
Should I hold both RISR and SCHD?
RISR and SCHD have a monthly-return correlation of -0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RISR and SCHD?
RISR and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, RISR or SCHD?
RISR yields 6.45% while SCHD yields 3.31%, so RISR currently pays the higher dividend yield.
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