RSSB vs SCHD
RSSB vs SCHD
Return Stacked Global Stocks & Bonds 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 | RSSB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.06% | |
| AUM | $508M | $103.7B | |
| Dividend Yield | 2.33% | 3.31% | |
| Holdings | 9 | 104 | |
| YTD Return | +10.59% | +24.26% | |
| 1Y Return | +17.51% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 13.9% | 13.6% | |
| Max Drawdown | -16.2% | -33.4% | |
| Fund Family | Return Stacked ETF | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Feb 7, 2023 | Oct 20, 2011 |
RSSB vs SCHD Performance
Return Stacked Global Stocks & Bonds ETF (RSSB) 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 RSSB returned +17.51% while SCHD returned +31.38%. Year to date, RSSB is up 10.59% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
RSSB has been the more volatile fund, with annualized monthly volatility of 13.9% 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 -16.2% for RSSB 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 0.55. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RSSB charges 0.39% per year while SCHD charges 0.06%. On a $10,000 position that is $39 vs $6 annually, a gap of $33 per year that compounds over a long holding period. On income, RSSB currently yields 2.33% against 3.31% for SCHD.
Holdings Overlap
RSSB and SCHD share 0 holdings out of 103 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, RSSB or SCHD?
RSSB has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, RSSB or SCHD?
Over the past year RSSB returned +17.51% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), RSSB annualized +18.13% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RSSB or SCHD?
RSSB has been the more volatile fund at 13.9% annualized versus 13.6% for SCHD. Worst drawdown: RSSB -16.2% vs SCHD -33.4%.
Should I hold both RSSB and SCHD?
RSSB and SCHD have a monthly-return correlation of 0.55, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSSB and SCHD?
RSSB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 103 unique securities.
Which pays a higher dividend, RSSB or SCHD?
RSSB yields 2.33% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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