RLTY vs SCHD
Cohen & Steers Real Estate Opportunities and Income Fund vs Schwab US Dividend Equity ETF
Which is better, RLTY or SCHD?
Debt-oriented balanced against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window.
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 | RLTY | SCHD |
|---|---|---|
| Expense Ratio | 1.19% | 0.06%Best |
| AUM | $260M | $112.1B |
| Dividend Yield | 7.85% | 3.00% |
| Holdings | 232 | 103 |
| YTD Return | +6.61% | +25.84%Best |
| 1Y Return | +2.02% | +30.18%Best |
| 3Y Return (annualized) | +12.21% | +16.08%Best |
| 5Y Return (annualized) | - | +9.97% |
| Volatility (annualized) | 23.2% | 14.9%Best |
| Max Drawdown | -35.4% | -16.1%Best |
| $10,000 over 4.6 years | $10,998 | $16,202Best |
| Fund Family | Cohen & Steers Funds | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Debt-oriented balanced | Large Cap Value |
| Inception | Feb 24, 2022 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 4.6 years row, are measured over the window both funds cover: Feb 24, 2022 to Sep 15, 2026 (4.6 years).
RLTY 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 4.6 years both funds cover.
RLTY vs SCHD Performance
Cohen & Steers Real Estate Opportunities and Income Fund (RLTY) is an ETF from Cohen & Steers Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year RLTY returned +2.02% while SCHD returned +30.18%. Year to date, RLTY is up 6.61% versus a gain of 25.84% for SCHD.
Over three years, RLTY compounded at +12.21% per year against +16.08% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RLTY has been the more volatile fund, with annualized monthly volatility of 23.2% compared with 14.9% 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 -35.4% for RLTY and -16.1% 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 0.68. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RLTY charges 1.19% per year while SCHD charges 0.06%. On a $10,000 position that is $119 vs $6 annually, a gap of $113 per year that compounds over a long holding period. On income, RLTY currently yields 7.85% against 3.00% for SCHD.
Holdings Overlap
At least 0.1% of SCHD's money is in holdings RLTY also owns.
Only one direction is shown: for RLTY, our book for it lists positions totalling 138.3% of the fund, which is what a leveraged book looks like and is not a denominator we can divide by.
We cannot see either book well enough to say how much of this pair is duplicated.
The two holdings books were reported 153 days apart, RLTY as of Mar 31, 2026 and SCHD as of Aug 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 168 positions we hold weights for in RLTY and 100 in SCHD, against full books of 232 and 103.
Top Shared Holdings
| Stock | Weight in RLTY | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXXState Street Institutional US Government Money Market Fund | 1.78% | 0.06% | 1.72% |
You are not choosing between two funds in isolation.
Whichever of RLTY 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, RLTY or SCHD?
RLTY has an expense ratio of 1.19% while SCHD charges 0.06%. SCHD is the cheaper option, by $113 a year on a $10,000 investment.
Which performed better, RLTY or SCHD?
Over the past year RLTY returned +2.02% vs +30.18% 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, RLTY or SCHD?
RLTY has been the more volatile fund at 23.2% annualized versus 14.9% for SCHD. Worst drawdown: RLTY -35.4% vs SCHD -16.1%.
Should I hold both RLTY and SCHD?
RLTY and SCHD have a monthly-return correlation of 0.68, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, RLTY or SCHD?
RLTY yields 7.85% while SCHD yields 3.00%, so RLTY currently pays the higher dividend yield.
Is SCHD better than RLTY?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.