RSSY vs SCHD
RSSY vs SCHD
Return Stacked US Stocks & Futures Yield ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. RSSY delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | RSSY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.99% | 0.06% | |
| AUM | $93M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 29 | 104 | |
| YTD Return | +32.87% | +24.26% | |
| 1Y Return | +35.91% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 16.9% | 13.6% | |
| Max Drawdown | -29.6% | -33.4% | |
| Fund Family | Return Stacked ETF | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 28, 2024 | Oct 20, 2011 |
RSSY vs SCHD Performance
Return Stacked US Stocks & Futures Yield ETF (RSSY) 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 RSSY returned +35.91% while SCHD returned +31.38%. Year to date, RSSY is up 32.87% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
RSSY has been the more volatile fund, with annualized monthly volatility of 16.9% 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 -29.6% for RSSY 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RSSY charges 0.99% per year while SCHD charges 0.06%. On a $10,000 position that is $99 vs $6 annually, a gap of $93 per year that compounds over a long holding period. On income, RSSY currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
RSSY 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, RSSY or SCHD?
RSSY has an expense ratio of 0.99% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $93 per year of difference.
Which performed better, RSSY or SCHD?
Over the past year RSSY returned +35.91% vs +31.38% for SCHD, so RSSY leads on 1-year performance. Over the longest common window we track (2 years), RSSY annualized +11.79% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RSSY or SCHD?
RSSY has been the more volatile fund at 16.9% annualized versus 13.6% for SCHD. Worst drawdown: RSSY -29.6% vs SCHD -33.4%.
Should I hold both RSSY and SCHD?
RSSY and SCHD have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSSY and SCHD?
RSSY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, RSSY or SCHD?
RSSY yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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