RTAI vs SCHD
RTAI vs SCHD
Rareview Tax Advantaged Income 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 | RTAI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 4.59% | 0.06% | |
| AUM | $18M | $103.7B | |
| Dividend Yield | 4.93% | 3.31% | |
| Holdings | 13 | 104 | |
| YTD Return | -0.94% | +24.26% | |
| 1Y Return | +5.14% | +31.38% | |
| 3Y Return (annualized) | +5.90% | +15.08% | |
| 5Y Return (annualized) | -2.05% | +9.72% | |
| Volatility (annualized) | 13.7% | 13.6% | |
| Max Drawdown | -34.3% | -33.4% | |
| Fund Family | Rareview Capital | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Oct 21, 2020 | Oct 20, 2011 |
RTAI vs SCHD Performance
Rareview Tax Advantaged Income ETF (RTAI) is a ETF from Rareview Capital and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RTAI returned +5.14% while SCHD returned +31.38%. Year to date, RTAI is down 0.94% versus a gain of 24.26% for SCHD.
Over three years, RTAI compounded at +5.90% per year against +15.08% for SCHD; over five years the annualized figures are -2.05% and +9.72% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +0.93%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RTAI has been the more volatile fund, with annualized monthly volatility of 13.7% 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 -34.3% for RTAI 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
RTAI charges 4.59% per year while SCHD charges 0.06%. On a $10,000 position that is $459 vs $6 annually, a gap of $453 per year that compounds over a long holding period. On income, RTAI currently yields 4.93% against 3.31% for SCHD.
Holdings Overlap
RTAI and SCHD share 0 holdings out of 110 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, RTAI or SCHD?
RTAI has an expense ratio of 4.59% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $453 per year of difference.
Which performed better, RTAI or SCHD?
Over the past year RTAI returned +5.14% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), RTAI annualized +0.93% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RTAI or SCHD?
RTAI has been the more volatile fund at 13.7% annualized versus 13.6% for SCHD. Worst drawdown: RTAI -34.3% vs SCHD -33.4%.
Should I hold both RTAI and SCHD?
RTAI 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 RTAI and SCHD?
RTAI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 110 unique securities.
Which pays a higher dividend, RTAI or SCHD?
RTAI yields 4.93% while SCHD yields 3.31%, so RTAI currently pays the higher dividend yield.
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