SCHD vs VRAI
Schwab US Dividend Equity ETF vs Virtus Real Asset Income ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | SCHD | VRAI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.55% | |
| AUM | $108.7B | $19M | |
| Dividend Yield | 3.13% | 2.82% | |
| Holdings | 104 | 91 | |
| YTD Return | +26.50% | +23.63% | |
| 1Y Return | +31.25% | +28.48% | |
| 3Y Return (annualized) | +16.34% | +13.48% | |
| 5Y Return (annualized) | +10.10% | +7.05% | |
| Volatility (annualized) | 13.6% | 19.8% | |
| Max Drawdown | -33.4% | -48.9% | |
| Fund Family | Charles Schwab Asset Management | Virtus Investment Partners | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Feb 7, 2019 |
SCHD vs VRAI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Virtus Real Asset Income ETF (VRAI) is a ETF from Virtus Investment Partners. Over the past year SCHD returned +31.25% while VRAI returned +28.48%. Year to date, SCHD is up 26.50% versus a gain of 23.63% for VRAI.
Over three years, SCHD compounded at +16.34% per year against +13.48% for VRAI; over five years the annualized figures are +10.10% and +7.05% respectively. Across the full 8-year window we track, SCHD has the edge at +11.50% annualized vs +5.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VRAI has been the more volatile fund, with annualized monthly volatility of 19.8% 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 -33.4% for SCHD and -48.9% for VRAI. 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 0.89. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while VRAI charges 0.55%. On a $10,000 position that is $6 vs $55 annually, a gap of $49 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 2.82% for VRAI.
Holdings Overlap
SCHD and VRAI share 4 holdings out of 186 unique holdings combined, representing a 1.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or VRAI?
SCHD has an expense ratio of 0.06% while VRAI charges 0.55%. SCHD is the cheaper option. On a $10,000 investment, that is $49 per year of difference.
Which performed better, SCHD or VRAI?
Over the past year SCHD returned +31.25% vs +28.48% for VRAI, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), SCHD annualized +11.50% vs +5.51% for VRAI. Past performance does not guarantee future results.
Which is riskier, SCHD or VRAI?
VRAI has been the more volatile fund at 19.8% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs VRAI -48.9%.
Should I hold both SCHD and VRAI?
SCHD and VRAI have a monthly-return correlation of 0.89, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and VRAI?
SCHD and VRAI share 4 common holdings with a 1.9% weight overlap. Combined, they hold 186 unique securities.
Which pays a higher dividend, SCHD or VRAI?
SCHD yields 3.13% while VRAI yields 2.82%, so SCHD currently pays the higher dividend yield.
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