RULE vs SCHD
Adaptive Core ETF vs Schwab US Dividend Equity ETF
Which is better, RULE or SCHD?
Equity-oriented Balanced against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. RULE is less concentrated, with 37.9% of the fund in its ten largest positions against 41.8%.
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 | RULE | SCHD |
|---|---|---|
| Expense Ratio | 1.84% | 0.06%Best |
| AUM | $15M | $119.9B |
| Dividend Yield | 0.00% | 2.96% |
| Holdings | 70 | 204 |
| YTD Return | +12.78% | +32.38%Best |
| 1Y Return | +12.60% | +38.54%Best |
| 3Y Return (annualized) | +12.16% | +20.13%Best |
| 5Y Return (annualized) | +1.19% | +10.28%Best |
| Volatility (annualized) | 18.1% | 15.5%Best |
| Max Drawdown | -30.5% | -16.9%Best |
| $10,000 over 5 years | $10,609 | $16,311Best |
| Top 10 Weight | 37.9%Best | 41.8% |
| Fund Family | Mohr Funds | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Equity-oriented Balanced | Large Cap Value |
| Inception | Nov 2, 2021 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Nov 3, 2021 to Nov 10, 2026 (5 years).
RULE 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 5 years both funds cover.
RULE vs SCHD Performance
Adaptive Core ETF (RULE) is an ETF from Mohr Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year RULE returned +12.60% while SCHD returned +38.54%. Year to date, RULE is up 12.78% versus a gain of 32.38% for SCHD.
Over three years, RULE compounded at +12.16% per year against +20.13% for SCHD; over five years the annualized figures are +1.19% and +10.28% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RULE has been the more volatile fund, with annualized monthly volatility of 18.1% compared with 15.5% 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 -30.5% for RULE and -16.9% 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 0.28. They move largely independently of each other.
Fees and Cost Over Time
RULE charges 1.84% per year while SCHD charges 0.06%. On a $10,000 position that is $184 vs $6 annually, a gap of $178 per year that compounds over a long holding period. On income, RULE currently yields 0.00% against 2.96% for SCHD.
Holdings Overlap
2.4% of RULE's money is in holdings SCHD also owns. 4.3% of SCHD's money is in holdings RULE also owns.
SCHD and RULE share little of their money.
1 positions in common, counted across the 35 positions we hold weights for in RULE and 98 in SCHD, against full books of 70 and 204.
What only one of them owns
Our book lists 96 positions for SCHD that do not appear in our book for RULE (95.5% of the fund), and 32 for RULE that do not appear in SCHD (93.1%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in RULE | Weight in SCHD | Difference |
|---|---|---|---|
| CVXChevron Corp | 2.43% | 4.32% | 1.89% |
You are not choosing between two funds in isolation.
Whichever of RULE 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, RULE or SCHD?
RULE has an expense ratio of 1.84% while SCHD charges 0.06%. SCHD is the cheaper option, by $178 a year on a $10,000 investment.
Which performed better, RULE or SCHD?
Over the past year RULE returned +12.60% vs +38.54% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RULE or SCHD?
RULE has been the more volatile fund at 18.1% annualized versus 15.5% for SCHD. Worst drawdown: RULE -30.5% vs SCHD -16.9%.
Should I hold both RULE and SCHD?
RULE and SCHD have a monthly-return correlation of 0.28, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between RULE and SCHD?
4.3% of SCHD's money is in holdings RULE also owns. 4.3% of SCHD's is in holdings RULE also owns. They hold 1 positions in common, counted across the 35 positions we hold weights for in RULE and 98 in SCHD.
Which pays a higher dividend, RULE or SCHD?
RULE yields 0.00% while SCHD yields 2.96%, so SCHD currently pays the higher dividend yield.
Is SCHD better than RULE?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. RULE is less concentrated, with 37.9% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.