SCHD vs XRPT
Schwab US Dividend Equity ETF vs Volatility 2x XRP ETF
Which is better, SCHD or XRPT?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
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 | XRPT |
|---|---|---|
| Expense Ratio | 0.06%Best | 3.13% |
| AUM | $112.1B | $84M |
| Dividend Yield | 3.00% | 3.75% |
| Holdings | 103 | 3 |
| YTD Return | +25.07%Best | -70.89% |
| 1Y Return | +27.61%Best | -90.68% |
| 3Y Return (annualized) | +15.74% | - |
| 5Y Return (annualized) | +9.89% | - |
| Volatility (annualized) | 12.3%Best | 105.6% |
| Max Drawdown | -4.6%Best | -96.7% |
| $10,000 over 1.3 years | $13,741Best | $1,103 |
| Fund Family | Charles Schwab Asset Management | Volatility Shares, LLC |
| Category | Equity | Alternative |
| Style | Large Cap Value | - |
| Inception | Oct 20, 2011 | May 22, 2025 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.3 years row, are measured over the window both funds cover: May 22, 2025 to Sep 11, 2026 (1.3 years).
SCHD vs XRPT 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 1.3 years both funds cover.
SCHD vs XRPT Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Volatility 2x XRP ETF (XRPT) is an ETF from Volatility Shares, LLC. Over the past year SCHD returned +27.61% while XRPT returned -90.68%. Year to date, SCHD is up 25.07% versus a loss of 70.89% for XRPT.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XRPT has been the more volatile fund, with annualized monthly volatility of 105.6% compared with 12.3% 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 -4.6% for SCHD and -96.7% for XRPT. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at -0.02. They move largely independently of each other.
Fees and Cost Over Time
SCHD charges 0.06% per year while XRPT charges 3.13%. On a $10,000 position that is $6 vs $313 annually, a gap of $307 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 3.75% for XRPT.
You are not choosing between two funds in isolation.
Whichever of SCHD and XRPT 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 XRPT?
SCHD has an expense ratio of 0.06% while XRPT charges 3.13%. SCHD is the cheaper option, by $307 a year on a $10,000 investment.
Which performed better, SCHD or XRPT?
Over the past year SCHD returned +27.61% vs -90.68% for XRPT, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +27.69% vs -81.65% for XRPT. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XRPT?
XRPT has been the more volatile fund at 105.6% annualized versus 12.3% for SCHD. Worst drawdown: SCHD -4.6% vs XRPT -96.7%.
Should I hold both SCHD and XRPT?
SCHD and XRPT have a monthly-return correlation of -0.02, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or XRPT?
SCHD yields 3.00% while XRPT yields 3.75%, so XRPT currently pays the higher dividend yield.
Is XRPT better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.