RWLC vs SCHD
Rayliant NxtGen Multifactor US Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. RWLC offers more diversification with 115 holdings.
Side-by-Side Comparison
| Metric | RWLC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.32% | 0.06% | |
| AUM | $101M | $112.2B | |
| Dividend Yield | 12.93% | 3.13% | |
| Holdings | 115 | 103 | |
| YTD Return | +17.37% | +27.60% | |
| 1Y Return | - | +29.63% | |
| 3Y Return (annualized) | - | +16.43% | |
| 5Y Return (annualized) | - | +10.05% | |
| Volatility (annualized) | - | 13.6% | |
| Max Drawdown | -8.5% | -33.4% | |
| Fund Family | The Advisors Inner Circle Fund | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 15, 2021 | Oct 20, 2011 |
RWLC vs SCHD Performance
Rayliant NxtGen Multifactor US Equity ETF (RWLC) is a ETF from The Advisors Inner Circle Fund and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, RWLC is up 17.37% versus a gain of 27.60% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -8.5% for RWLC and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
RWLC charges 0.32% per year while SCHD charges 0.06%. On a $10,000 position that is $32 vs $6 annually, a gap of $26 per year that compounds over a long holding period. On income, RWLC currently yields 12.93% against 3.13% for SCHD.
Holdings Overlap
RWLC and SCHD share 5 holdings out of 196 unique holdings combined, representing a 2.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RWLC or SCHD?
RWLC has an expense ratio of 0.32% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
What is the holdings overlap between RWLC and SCHD?
RWLC and SCHD share 5 common holdings with a 2.9% weight overlap. Combined, they hold 196 unique securities.
Which pays a higher dividend, RWLC or SCHD?
RWLC yields 12.93% while SCHD yields 3.13%, so RWLC currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.