RMIF vs SCHD
LHA Risk-Managed 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 100 holdings.
Side-by-Side Comparison
| Metric | RMIF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.55% | 0.06% | |
| AUM | $6M | $103.7B | |
| Dividend Yield | 5.68% | 3.31% | |
| Holdings | 7 | 104 | |
| YTD Return | -2.80% | +25.33% | |
| 1Y Return | -1.16% | +32.31% | |
| 3Y Return (annualized) | +3.47% | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | 2.4% | 13.6% | |
| Max Drawdown | -3.7% | -33.4% | |
| Fund Family | Little Harbor Advisors | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jun 9, 2023 | Oct 20, 2011 |
RMIF vs SCHD Performance
LHA Risk-Managed Income ETF (RMIF) is a ETF from Little Harbor Advisors and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RMIF returned -1.16% while SCHD returned +32.31%. Year to date, RMIF is down 2.80% versus a gain of 25.33% for SCHD.
Over three years, RMIF compounded at +3.47% per year against +15.40% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.45% annualized vs +3.71%. 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 2.4% for RMIF. 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 -3.7% for RMIF 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RMIF charges 1.55% per year while SCHD charges 0.06%. On a $10,000 position that is $155 vs $6 annually, a gap of $149 per year that compounds over a long holding period. On income, RMIF currently yields 5.68% against 3.31% for SCHD.
Holdings Overlap
RMIF and SCHD share 0 holdings out of 106 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, RMIF or SCHD?
RMIF has an expense ratio of 1.55% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $149 per year of difference.
Which performed better, RMIF or SCHD?
Over the past year RMIF returned -1.16% vs +32.31% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), RMIF annualized +3.71% vs +11.45% for SCHD. Past performance does not guarantee future results.
Which is riskier, RMIF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 2.4% for RMIF. Worst drawdown: RMIF -3.7% vs SCHD -33.4%.
Should I hold both RMIF and SCHD?
RMIF and SCHD have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RMIF and SCHD?
RMIF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 106 unique securities.
Which pays a higher dividend, RMIF or SCHD?
RMIF yields 5.68% while SCHD yields 3.31%, so RMIF currently pays the higher dividend yield.
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