RSBY vs SCHD
Return Stacked Bonds & Futures Yield ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | RSBY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.01% | 0.06% | |
| AUM | $61M | $103.7B | |
| Dividend Yield | 2.56% | 3.31% | |
| Holdings | 28 | 104 | |
| YTD Return | +16.99% | +25.58% | |
| 1Y Return | +12.54% | +31.06% | |
| 3Y Return (annualized) | - | +15.55% | |
| 5Y Return (annualized) | - | +9.61% | |
| Volatility (annualized) | 13.8% | 13.6% | |
| Max Drawdown | -23.4% | -33.4% | |
| Fund Family | Return Stacked ETF | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Aug 20, 2024 | Oct 20, 2011 |
RSBY vs SCHD Performance
Return Stacked Bonds & Futures Yield ETF (RSBY) is a ETF from Return Stacked ETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RSBY returned +12.54% while SCHD returned +31.06%. Year to date, RSBY is up 16.99% versus a gain of 25.58% for SCHD.
Risk: Volatility and Drawdowns
RSBY has been the more volatile fund, with annualized monthly volatility of 13.8% 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 -23.4% for RSBY 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 0.25. They move independently enough that combining them can meaningfully diversify a portfolio.
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 2.56% against 3.31% for SCHD.
Holdings Overlap
RSBY and SCHD share 0 holdings out of 102 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $95 per year of difference.
Which performed better, RSBY or SCHD?
Over the past year RSBY returned +12.54% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), RSBY annualized -4.48% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, RSBY or SCHD?
RSBY has been the more volatile fund at 13.8% annualized versus 13.6% for SCHD. Worst drawdown: RSBY -23.4% vs SCHD -33.4%.
Should I hold both RSBY and SCHD?
RSBY and SCHD have a monthly-return correlation of 0.25, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSBY and SCHD?
RSBY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, RSBY or SCHD?
RSBY yields 2.56% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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