RQI vs SCHD
Cohen & Steers Quality Income Realty Fund Inc vs Schwab US Dividend Equity ETF
Which is better, RQI or SCHD?
Large Cap Blend 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 | RQI | SCHD |
|---|---|---|
| Expense Ratio | 3.45% | 0.06%Best |
| AUM | $1,620.47 | $112.1B |
| Dividend Yield | 8.96% | 3.00% |
| Holdings | 208 | 103 |
| YTD Return | +6.26% | +24.04%Best |
| 1Y Return | +0.93% | +27.95%Best |
| 3Y Return (annualized) | +9.75% | +15.51%Best |
| 5Y Return (annualized) | +1.62% | +9.80%Best |
| Volatility (annualized) | 23.4% | 13.6%Best |
| Max Drawdown | -60.5% | -33.4%Best |
| $10,000 over 5 years | $10,837 | $15,959Best |
| Fund Family | Cohen & Steers Funds | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Feb 28, 2002 | 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 16, 2026 (14.9 years).
RQI 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.
RQI vs SCHD Performance
Cohen & Steers Quality Income Realty Fund Inc (RQI) 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 RQI returned +0.93% while SCHD returned +27.95%. Year to date, RQI is up 6.26% versus a gain of 24.04% for SCHD.
Over three years, RQI compounded at +9.75% per year against +15.51% for SCHD; over five years the annualized figures are +1.62% and +9.80% respectively. Across the full 15-year window we track, SCHD has the edge at +11.29% annualized vs +5.59%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RQI has been the more volatile fund, with annualized monthly volatility of 23.4% 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 -60.5% for RQI 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 0.69. They move together some of the time, and apart the rest.
Fees and Cost Over Time
RQI charges 3.45% per year while SCHD charges 0.06%. On a $10,000 position that is $345 vs $6 annually, a gap of $339 per year that compounds over a long holding period. On income, RQI currently yields 8.96% against 3.00% for SCHD.
Holdings Overlap
At least 0.1% of SCHD's money is in holdings RQI also owns.
Only one direction is shown: for RQI, our book for it lists positions totalling 138.2% 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, RQI 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 170 positions we hold weights for in RQI and 100 in SCHD, against full books of 208 and 103.
Top Shared Holdings
| Stock | Weight in RQI | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXXState Street Institutional US Government Money Market Fund | 0.56% | 0.06% | 0.50% |
You are not choosing between two funds in isolation.
Whichever of RQI 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, RQI or SCHD?
RQI has an expense ratio of 3.45% while SCHD charges 0.06%. SCHD is the cheaper option, by $339 a year on a $10,000 investment.
Which performed better, RQI or SCHD?
Over the past year RQI returned +0.93% vs +27.95% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), RQI annualized +5.59% vs +11.29% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RQI or SCHD?
RQI has been the more volatile fund at 23.4% annualized versus 13.6% for SCHD. Worst drawdown: RQI -60.5% vs SCHD -33.4%.
Should I hold both RQI and SCHD?
RQI and SCHD have a monthly-return correlation of 0.69, 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, RQI or SCHD?
RQI yields 8.96% while SCHD yields 3.00%, so RQI currently pays the higher dividend yield.
Is SCHD better than RQI?
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.