SCHD vs VRAI
Schwab US Dividend Equity ETF vs Virtus Real Asset Income ETF
Which is better, SCHD or VRAI?
Large Cap Value against Mid Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. VRAI is less concentrated, with 12.3% 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 | SCHD | VRAI |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.55% |
| AUM | $112.1B | $19M |
| Dividend Yield | 3.00% | 2.80% |
| Holdings | 103 | 91 |
| YTD Return | +24.59%Best | +23.92% |
| 1Y Return | +28.14%Best | +24.15% |
| 3Y Return (annualized) | +15.58%Best | +13.28% |
| 5Y Return (annualized) | +9.90%Best | +6.98% |
| Volatility (annualized) | 16.3%Best | 19.7% |
| Max Drawdown | -33.4%Best | -48.9% |
| $10,000 over 5 years | $16,032Best | $14,012 |
| Top 10 Weight | 41.8% | 12.3%Best |
| Fund Family | Charles Schwab Asset Management | Virtus Investment Partners |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Value |
| Inception | Oct 20, 2011 | Feb 7, 2019 |
Volatility and max drawdown are measured over the window both funds cover: Feb 8, 2019 to Sep 10, 2026 (7.6 years).
SCHD vs VRAI 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 7.6 years both funds cover.
SCHD vs VRAI Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Virtus Real Asset Income ETF (VRAI) is an ETF from Virtus Investment Partners. Over the past year SCHD returned +28.14% while VRAI returned +24.15%. Year to date, SCHD is up 24.59% versus a gain of 23.92% for VRAI.
Over three years, SCHD compounded at +15.58% per year against +13.28% for VRAI; over five years the annualized figures are +9.90% and +6.98% respectively. Across the full 8-year window we track, SCHD has the edge at +12.62% annualized vs +5.50%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VRAI has been the more volatile fund, with annualized monthly volatility of 19.7% compared with 16.3% 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 what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.88. 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 3.00% against 2.80% for VRAI.
Holdings Overlap
3.1% of SCHD's money is in holdings VRAI also owns. 4.7% of VRAI's money is in holdings SCHD also owns.
VRAI and SCHD share little of their money.
4 positions in common, counted across the 100 positions we hold weights for in SCHD and 90 in VRAI, against full books of 103 and 91.
What only one of them owns
Our book lists 76 positions for VRAI that do not appear in our book for SCHD (83.1% of the fund), and 95 for SCHD that do not appear in VRAI (96.9%).
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.
You are not choosing between two funds in isolation.
Whichever of SCHD and VRAI 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, SCHD or VRAI?
SCHD has an expense ratio of 0.06% while VRAI charges 0.55%. SCHD is the cheaper option, by $49 a year on a $10,000 investment.
Which performed better, SCHD or VRAI?
Over the past year SCHD returned +28.14% vs +24.15% for VRAI, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), SCHD annualized +12.62% vs +5.50% for VRAI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or VRAI?
VRAI has been the more volatile fund at 19.7% annualized versus 16.3% 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 0.88, 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 SCHD and VRAI?
4.7% of VRAI's money is in holdings SCHD also owns. 4.7% of VRAI's is in holdings SCHD also owns. They hold 4 positions in common, counted across the 100 positions we hold weights for in SCHD and 90 in VRAI.
Which pays a higher dividend, SCHD or VRAI?
SCHD yields 3.00% while VRAI yields 2.80%, so SCHD currently pays the higher dividend yield.
Is VRAI better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. VRAI is less concentrated, with 12.3% 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.