RSBY vs SCHD
Return Stacked Bonds & Futures Yield ETF vs Schwab US Dividend Equity ETF
Which is better, RSBY or SCHD?
Multi Alternative against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y 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 | RSBY | SCHD |
|---|---|---|
| Expense Ratio | 1.01% | 0.06%Best |
| AUM | $57M | $112.1B |
| Dividend Yield | 1.77% | 3.00% |
| Holdings | 35 | 103 |
| YTD Return | +20.41% | +24.59%Best |
| 1Y Return | +10.12% | +28.14%Best |
| 3Y Return (annualized) | - | +15.58% |
| 5Y Return (annualized) | - | +9.90% |
| Volatility (annualized) | 13.7% | 13.4%Best |
| Max Drawdown | -23.4% | -16.1%Best |
| $10,000 over 2.1 years | $9,391 | $13,370Best |
| Fund Family | Return Stacked ETF | Charles Schwab Asset Management |
| Category | Alternative | Equity |
| Style | Multi Alternative | Large Cap Value |
| Inception | Aug 20, 2024 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.1 years row, are measured over the window both funds cover: Aug 21, 2024 to Sep 10, 2026 (2.1 years).
RSBY 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 2.1 years both funds cover.
RSBY vs SCHD Performance
Return Stacked Bonds & Futures Yield ETF (RSBY) is an ETF from Return Stacked ETF and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year RSBY returned +10.12% while SCHD returned +28.14%. Year to date, RSBY is up 20.41% versus a gain of 24.59% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RSBY has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 13.4% 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 -23.4% for RSBY and -16.1% 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 0.24. They move largely independently of each other.
Fees and Cost Over Time
RSBY charges 1.01% per year while SCHD charges 0.06%. On a $10,000 position that is $101 vs $6 annually, a gap of $95 per year that compounds over a long holding period. On income, RSBY currently yields 1.77% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 2 holdings in RSBY and 100 in SCHD, totalling 89.1% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 2 positions we hold weights for in RSBY and 100 in SCHD, against full books of 35 and 103.
You are not choosing between two funds in isolation.
Whichever of RSBY 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, RSBY or SCHD?
RSBY has an expense ratio of 1.01% while SCHD charges 0.06%. SCHD is the cheaper option, by $95 a year on a $10,000 investment.
Which performed better, RSBY or SCHD?
Over the past year RSBY returned +10.12% vs +28.14% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), RSBY annualized -2.95% vs +14.83% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RSBY or SCHD?
RSBY has been the more volatile fund at 13.7% annualized versus 13.4% for SCHD. Worst drawdown: RSBY -23.4% vs SCHD -16.1%.
Should I hold both RSBY and SCHD?
RSBY and SCHD have a monthly-return correlation of 0.24, 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, RSBY or SCHD?
RSBY yields 1.77% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than RSBY?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.