RNIN vs SCHD
Bushido Capital US SMID Cap Equity ETF vs Schwab US Dividend Equity ETF
Which is better, RNIN or SCHD?
Mid Cap Value against Large Cap Value.
SCHD has a lower expense ratio. RNIN led over 1Y and the full window. RNIN is less concentrated, with 16.5% of the fund in its ten largest positions against 41.5%.
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 | RNIN | SCHD |
|---|---|---|
| Expense Ratio | 0.68% | 0.06%Best |
| AUM | $213M | $112.2B |
| Dividend Yield | 0.80% | 3.13% |
| Holdings | 83 | 103 |
| YTD Return | +37.53%Best | +27.56% |
| 1Y Return | +40.96%Best | +30.29% |
| 3Y Return (annualized) | - | +16.37% |
| 5Y Return (annualized) | - | +10.23% |
| Volatility (annualized) | 11.9% | 11.8%Best |
| Max Drawdown | -5.7% | -4.6%Best |
| $10,000 over 1.3 years | $15,250Best | $13,770 |
| Top 10 Weight | 16.5%Best | 41.5% |
| Fund Family | Bushido Capital | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Mid Cap Value | Large Cap Value |
| Inception | May 14, 2025 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 1.3 years row, are measured over the window both funds cover: May 15, 2025 to Sep 4, 2026 (1.3 years).
RNIN 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 1.3 years both funds cover.
RNIN vs SCHD Performance
Bushido Capital US SMID Cap Equity ETF (RNIN) is an ETF from Bushido Capital and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year RNIN returned +40.96% while SCHD returned +30.29%. Year to date, RNIN is up 37.53% versus a gain of 27.56% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RNIN has been the more volatile fund, with annualized monthly volatility of 11.9% compared with 11.8% 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 -5.7% for RNIN and -4.6% 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 0.63. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RNIN charges 0.68% per year while SCHD charges 0.06%. On a $10,000 position that is $68 vs $6 annually, a gap of $62 per year that compounds over a long holding period. On income, RNIN currently yields 0.80% against 3.13% for SCHD.
Holdings Overlap
1.2% of RNIN's money is in holdings SCHD also owns. 0.1% of SCHD's money is in holdings RNIN also owns.
RNIN and SCHD share little of their money.
1 positions in common, counted across the 81 positions we hold weights for in RNIN and 100 in SCHD, against full books of 83 and 103.
What only one of them owns
Our book lists 97 positions for SCHD that do not appear in our book for RNIN (99.5% of the fund), and 78 for RNIN that do not appear in SCHD (95.9%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in RNIN | Weight in SCHD | Difference |
|---|---|---|---|
| NXSTNexstar Media Group Inc | 1.20% | 0.14% | 1.06% |
You are not choosing between two funds in isolation.
Whichever of RNIN 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, RNIN or SCHD?
RNIN has an expense ratio of 0.68% while SCHD charges 0.06%. SCHD is the cheaper option, by $62 a year on a $10,000 investment.
Which performed better, RNIN or SCHD?
Over the past year RNIN returned +40.96% vs +30.29% for SCHD, so RNIN leads on 1-year performance. Over the longest common window we track (1 years), RNIN annualized +38.35% vs +27.90% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RNIN or SCHD?
RNIN has been the more volatile fund at 11.9% annualized versus 11.8% for SCHD. Worst drawdown: RNIN -5.7% vs SCHD -4.6%.
Should I hold both RNIN and SCHD?
RNIN and SCHD have a monthly-return correlation of 0.63, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between RNIN and SCHD?
1.2% of RNIN's money is in holdings SCHD also owns. 0.1% of SCHD's is in holdings RNIN also owns. They hold 1 positions in common, counted across the 81 positions we hold weights for in RNIN and 100 in SCHD.
Which pays a higher dividend, RNIN or SCHD?
RNIN yields 0.80% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than RNIN?
SCHD has a lower expense ratio. RNIN led over 1Y and the full window. RNIN is less concentrated, with 16.5% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.