RNP vs SCHD
Cohen & Steers REIT and Preferred and Income Fund, Inc. vs Schwab US Dividend Equity ETF
Which is better, RNP or SCHD?
Allocation/Balanced against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y 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 | RNP | SCHD |
|---|---|---|
| Expense Ratio | 1.78% | 0.06%Best |
| AUM | $2,650.69 | $112.1B |
| Dividend Yield | 7.55% | 3.00% |
| Holdings | 327 | 103 |
| YTD Return | +3.93% | +24.23%Best |
| 1Y Return | -5.51% | +27.90%Best |
| 3Y Return (annualized) | +10.09% | +15.55%Best |
| 5Y Return (annualized) | +1.94% | +9.97%Best |
| Volatility (annualized) | 19.3% | 13.6%Best |
| Max Drawdown | -57.0% | -33.4%Best |
| $10,000 over 5 years | $11,008 | $16,083Best |
| Fund Family | Cohen & Steers Funds | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Value |
| Inception | Jun 27, 2003 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 17, 2026 (14.9 years).
RNP 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 14.9 years both funds cover.
RNP vs SCHD Performance
Cohen & Steers REIT and Preferred and Income Fund, Inc. (RNP) 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 RNP returned -5.51% while SCHD returned +27.90%. Year to date, RNP is up 3.93% versus a gain of 24.23% for SCHD.
Over three years, RNP compounded at +10.09% per year against +15.55% for SCHD; over five years the annualized figures are +1.94% and +9.97% respectively. Across the full 15-year window we track, SCHD has the edge at +11.30% annualized vs +5.88%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RNP has been the more volatile fund, with annualized monthly volatility of 19.3% compared with 13.6% 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 -57.0% for RNP and -33.4% 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RNP charges 1.78% per year while SCHD charges 0.06%. On a $10,000 position that is $178 vs $6 annually, a gap of $172 per year that compounds over a long holding period. On income, RNP currently yields 7.55% against 3.00% for SCHD.
Holdings Overlap
At least 1.3% of SCHD's money is in holdings RNP also owns.
Only one direction is shown: for RNP, our book for it lists positions totalling 115.9% of the fund, which is what a leveraged book looks like and is not a denominator we can divide by.
SCHD and RNP share little of their money.
The two holdings books were reported 153 days apart, RNP 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.
2 positions in common, counted across the 205 positions we hold weights for in RNP and 100 in SCHD, against full books of 327 and 103.
You are not choosing between two funds in isolation.
Whichever of RNP 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, RNP or SCHD?
RNP has an expense ratio of 1.78% while SCHD charges 0.06%. SCHD is the cheaper option, by $172 a year on a $10,000 investment.
Which performed better, RNP or SCHD?
Over the past year RNP returned -5.51% vs +27.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), RNP annualized +5.88% vs +11.30% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RNP or SCHD?
RNP has been the more volatile fund at 19.3% annualized versus 13.6% for SCHD. Worst drawdown: RNP -57.0% vs SCHD -33.4%.
Should I hold both RNP and SCHD?
RNP and SCHD have a monthly-return correlation of 0.72, 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 RNP and SCHD?
At least 1.3% of SCHD's money is in holdings RNP also owns. Our book for RNP is partial, so the real figure is this or higher. They hold 2 positions in common, counted across the 205 positions we hold weights for in RNP and 100 in SCHD.
Which pays a higher dividend, RNP or SCHD?
RNP yields 7.55% while SCHD yields 3.00%, so RNP currently pays the higher dividend yield.
Is SCHD better than RNP?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.