RJDI vs SCHD
RJ Eagle GCM Dividend Select Income 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 | RJDI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.63% | 0.06% | |
| AUM | $119M | $108.7B | |
| Dividend Yield | 0.78% | 3.13% | |
| Holdings | 37 | 104 | |
| YTD Return | +16.45% | +28.70% | |
| 1Y Return | +19.14% | +32.27% | |
| 3Y Return (annualized) | - | +17.27% | |
| 5Y Return (annualized) | - | +10.23% | |
| Volatility (annualized) | - | 13.7% | |
| Max Drawdown | -7.0% | -33.4% | |
| Fund Family | Raymond James Financial, Inc. | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 2, 2025 | Oct 20, 2011 |
RJDI vs SCHD Performance
RJ Eagle GCM Dividend Select Income ETF (RJDI) is a ETF from Raymond James Financial, Inc. and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RJDI returned +19.14% while SCHD returned +32.27%. Year to date, RJDI is up 16.45% versus a gain of 28.70% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -7.0% for RJDI and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
RJDI charges 0.63% per year while SCHD charges 0.06%. On a $10,000 position that is $63 vs $6 annually, a gap of $57 per year that compounds over a long holding period. On income, RJDI currently yields 0.78% against 3.13% for SCHD.
Holdings Overlap
RJDI and SCHD share 6 holdings out of 129 unique holdings combined, representing a 9.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RJDI or SCHD?
RJDI has an expense ratio of 0.63% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $57 per year of difference.
Which performed better, RJDI or SCHD?
Over the past year RJDI returned +19.14% vs +32.27% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between RJDI and SCHD?
RJDI and SCHD share 6 common holdings with a 9.9% weight overlap. Combined, they hold 129 unique securities.
Which pays a higher dividend, RJDI or SCHD?
RJDI yields 0.78% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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