RWX vs SCHD
State Street SPDR Dow Jones International Real Estate ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. RWX offers more diversification with 144 holdings.
Side-by-Side Comparison
| Metric | RWX | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.59% | 0.06% | |
| AUM | $266M | $108.7B | |
| Dividend Yield | 3.83% | 3.13% | |
| Holdings | 144 | 104 | |
| YTD Return | -0.22% | +27.67% | |
| 1Y Return | +2.45% | +31.26% | |
| 3Y Return (annualized) | +8.00% | +16.66% | |
| 5Y Return (annualized) | -2.16% | +10.18% | |
| Volatility (annualized) | 19.5% | 13.6% | |
| Max Drawdown | -75.2% | -33.4% | |
| Fund Family | State Street Investment Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 15, 2006 | Oct 20, 2011 |
RWX vs SCHD Performance
State Street SPDR Dow Jones International Real Estate ETF (RWX) is a ETF from State Street Investment Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RWX returned +2.45% while SCHD returned +31.26%. Year to date, RWX is down 0.22% versus a gain of 27.67% for SCHD.
Over three years, RWX compounded at +8.00% per year against +16.66% for SCHD; over five years the annualized figures are -2.16% and +10.18% respectively. Across the full 15-year window we track, SCHD has the edge at +11.57% annualized vs -2.87%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RWX has been the more volatile fund, with annualized monthly volatility of 19.5% 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 -75.2% for RWX 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 0.67. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RWX charges 0.59% per year while SCHD charges 0.06%. On a $10,000 position that is $59 vs $6 annually, a gap of $53 per year that compounds over a long holding period. On income, RWX currently yields 3.83% against 3.13% for SCHD.
Holdings Overlap
RWX and SCHD share 1 holdings out of 225 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RWX | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 0.11% | 0.05% | 0.06% |
Frequently Asked Questions
Which is cheaper, RWX or SCHD?
RWX has an expense ratio of 0.59% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $53 per year of difference.
Which performed better, RWX or SCHD?
Over the past year RWX returned +2.45% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), RWX annualized -2.87% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, RWX or SCHD?
RWX has been the more volatile fund at 19.5% annualized versus 13.6% for SCHD. Worst drawdown: RWX -75.2% vs SCHD -33.4%.
Should I hold both RWX and SCHD?
RWX and SCHD have a monthly-return correlation of 0.67, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RWX and SCHD?
RWX and SCHD share 1 common holdings with a 0.1% weight overlap. Combined, they hold 225 unique securities.
Which pays a higher dividend, RWX or SCHD?
RWX yields 3.83% while SCHD yields 3.13%, so RWX currently pays the higher dividend yield.
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