RNIN vs SCHD
Bushido Capital US SMID Cap Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. RNIN delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | RNIN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.68% | 0.06% | |
| AUM | $199M | $108.7B | |
| Dividend Yield | 0.80% | 3.13% | |
| Holdings | 82 | 104 | |
| YTD Return | +33.55% | +26.50% | |
| 1Y Return | +40.72% | +31.25% | |
| 3Y Return (annualized) | - | +16.34% | |
| 5Y Return (annualized) | - | +10.10% | |
| Volatility (annualized) | 11.2% | 13.6% | |
| Max Drawdown | -5.7% | -33.4% | |
| Fund Family | Bushido Capital | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 14, 2025 | Oct 20, 2011 |
RNIN vs SCHD Performance
Bushido Capital US SMID Cap Equity ETF (RNIN) is a ETF from Bushido Capital and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RNIN returned +40.72% while SCHD returned +31.25%. Year to date, RNIN is up 33.55% versus a gain of 26.50% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.2% for RNIN. 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 -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 0.61. They move independently enough that combining them can meaningfully diversify a portfolio.
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
RNIN and SCHD share 1 holdings out of 180 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RNIN | Weight in SCHD | Difference |
|---|---|---|---|
| NXST | 1.29% | 0.14% | 1.15% |
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. On a $10,000 investment, that is $62 per year of difference.
Which performed better, RNIN or SCHD?
Over the past year RNIN returned +40.72% vs +31.25% for SCHD, so RNIN leads on 1-year performance. Over the longest common window we track (1 years), RNIN annualized +36.79% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, RNIN or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.2% for RNIN. Worst drawdown: RNIN -5.7% vs SCHD -33.4%.
Should I hold both RNIN and SCHD?
RNIN and SCHD have a monthly-return correlation of 0.61, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RNIN and SCHD?
RNIN and SCHD share 1 common holdings with a 0.1% weight overlap. Combined, they hold 180 unique securities.
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.
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