SCHD vs XRPR
Schwab US Dividend Equity ETF vs REX-Osprey XRP ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 103 holdings.
Side-by-Side Comparison
| Metric | SCHD | XRPR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.75% | |
| AUM | $112.2B | $53M | |
| Dividend Yield | 3.13% | 0.00% | |
| Holdings | 103 | 4 | |
| YTD Return | +28.59% | -26.34% | |
| 1Y Return | +31.77% | -53.16% | |
| 3Y Return (annualized) | +16.70% | - | |
| 5Y Return (annualized) | +10.09% | - | |
| Volatility (annualized) | 13.6% | 49.9% | |
| Max Drawdown | -33.4% | -68.3% | |
| Fund Family | Charles Schwab Asset Management | REX Shares | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Sep 18, 2025 |
SCHD vs XRPR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and REX-Osprey XRP ETF (XRPR) is a ETF from REX Shares. Over the past year SCHD returned +31.77% while XRPR returned -53.16%. Year to date, SCHD is up 28.59% versus a loss of 26.34% for XRPR.
Risk: Volatility and Drawdowns
XRPR has been the more volatile fund, with annualized monthly volatility of 49.9% 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 -68.3% for XRPR. 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 0.15. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XRPR charges 0.75%. On a $10,000 position that is $6 vs $75 annually, a gap of $69 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.00% for XRPR.
Holdings Overlap
SCHD and XRPR share 0 holdings out of 101 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or XRPR?
SCHD has an expense ratio of 0.06% while XRPR charges 0.75%. SCHD is the cheaper option. On a $10,000 investment, that is $69 per year of difference.
Which performed better, SCHD or XRPR?
Over the past year SCHD returned +31.77% vs -53.16% for XRPR, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
Which is riskier, SCHD or XRPR?
XRPR has been the more volatile fund at 49.9% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XRPR -68.3%.
Should I hold both SCHD and XRPR?
SCHD and XRPR have a monthly-return correlation of 0.15, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XRPR?
SCHD and XRPR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or XRPR?
SCHD yields 3.13% while XRPR yields 0.00%, so SCHD currently pays the higher dividend yield.
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