RITA vs SCHD
ETFB Green SRI REITs 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 | RITA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $10M | $103.7B | |
| Dividend Yield | 2.40% | 3.31% | |
| Holdings | 44 | 104 | |
| YTD Return | +11.08% | +25.62% | |
| 1Y Return | +15.00% | +32.62% | |
| 3Y Return (annualized) | +6.87% | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 18.1% | 13.6% | |
| Max Drawdown | -35.9% | -33.4% | |
| Fund Family | Rita ETF | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 8, 2021 | Oct 20, 2011 |
RITA vs SCHD Performance
ETFB Green SRI REITs ETF (RITA) is a ETF from Rita ETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RITA returned +15.00% while SCHD returned +32.62%. Year to date, RITA is up 11.08% versus a gain of 25.62% for SCHD.
Over three years, RITA compounded at +6.87% per year against +15.58% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.47% annualized vs -1.01%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RITA has been the more volatile fund, with annualized monthly volatility of 18.1% 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 -35.9% for RITA 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 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RITA charges 0.50% per year while SCHD charges 0.06%. On a $10,000 position that is $50 vs $6 annually, a gap of $44 per year that compounds over a long holding period. On income, RITA currently yields 2.40% against 3.31% for SCHD.
Holdings Overlap
RITA and SCHD share 0 holdings out of 143 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, RITA or SCHD?
RITA has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, RITA or SCHD?
Over the past year RITA returned +15.00% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), RITA annualized -1.01% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, RITA or SCHD?
RITA has been the more volatile fund at 18.1% annualized versus 13.6% for SCHD. Worst drawdown: RITA -35.9% vs SCHD -33.4%.
Should I hold both RITA and SCHD?
RITA and SCHD have a monthly-return correlation of 0.74, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RITA and SCHD?
RITA and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 143 unique securities.
Which pays a higher dividend, RITA or SCHD?
RITA yields 2.40% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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