SCHD vs XRPI
Schwab US Dividend Equity ETF vs Volatility XRP ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | XRPI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.94% | |
| AUM | $103.7B | $90M | |
| Dividend Yield | 3.31% | 4.29% | |
| Holdings | 104 | 2 | |
| YTD Return | +25.58% | -51.37% | |
| 1Y Return | +31.06% | -72.83% | |
| 3Y Return (annualized) | +15.55% | - | |
| 5Y Return (annualized) | +9.61% | - | |
| Volatility (annualized) | 13.6% | 44.3% | |
| Max Drawdown | -33.4% | -75.3% | |
| Fund Family | Charles Schwab Asset Management | Volatility Shares, LLC | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | May 22, 2025 |
SCHD vs XRPI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Volatility XRP ETF (XRPI) is a ETF from Volatility Shares, LLC. Over the past year SCHD returned +31.06% while XRPI returned -72.83%. Year to date, SCHD is up 25.58% versus a loss of 51.37% for XRPI.
Risk: Volatility and Drawdowns
XRPI has been the more volatile fund, with annualized monthly volatility of 44.3% 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 -75.3% for XRPI. 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 -0.10. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XRPI charges 0.94%. On a $10,000 position that is $6 vs $94 annually, a gap of $88 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 4.29% for XRPI.
Frequently Asked Questions
Which is cheaper, SCHD or XRPI?
SCHD has an expense ratio of 0.06% while XRPI charges 0.94%. SCHD is the cheaper option. On a $10,000 investment, that is $88 per year of difference.
Which performed better, SCHD or XRPI?
Over the past year SCHD returned +31.06% vs -72.83% for XRPI, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.46% vs -56.89% for XRPI. Past performance does not guarantee future results.
Which is riskier, SCHD or XRPI?
XRPI has been the more volatile fund at 44.3% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XRPI -75.3%.
Should I hold both SCHD and XRPI?
SCHD and XRPI have a monthly-return correlation of -0.10, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or XRPI?
SCHD yields 3.31% while XRPI yields 4.29%, so XRPI currently pays the higher dividend yield.
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