SCHD vs XRPT
Schwab US Dividend Equity ETF vs Volatility 2x 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 | XRPT | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.94% | |
| AUM | $103.7B | $56M | |
| Dividend Yield | 3.31% | 7.12% | |
| Holdings | 104 | 2 | |
| YTD Return | +25.58% | -82.78% | |
| 1Y Return | +31.06% | -95.75% | |
| 3Y Return (annualized) | +15.55% | - | |
| 5Y Return (annualized) | +9.61% | - | |
| Volatility (annualized) | 13.6% | 87.5% | |
| Max Drawdown | -33.4% | -96.6% | |
| Fund Family | Charles Schwab Asset Management | Volatility Shares, LLC | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | May 22, 2025 |
SCHD vs XRPT Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Volatility 2x XRP ETF (XRPT) is a ETF from Volatility Shares, LLC. Over the past year SCHD returned +31.06% while XRPT returned -95.75%. Year to date, SCHD is up 25.58% versus a loss of 82.78% for XRPT.
Risk: Volatility and Drawdowns
XRPT has been the more volatile fund, with annualized monthly volatility of 87.5% 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 -96.6% for XRPT. 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 -0.13. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XRPT 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 7.12% for XRPT.
Frequently Asked Questions
Which is cheaper, SCHD or XRPT?
SCHD has an expense ratio of 0.06% while XRPT 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 XRPT?
Over the past year SCHD returned +31.06% vs -95.75% for XRPT, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.46% vs -89.34% for XRPT. Past performance does not guarantee future results.
Which is riskier, SCHD or XRPT?
XRPT has been the more volatile fund at 87.5% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XRPT -96.6%.
Should I hold both SCHD and XRPT?
SCHD and XRPT have a monthly-return correlation of -0.13, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or XRPT?
SCHD yields 3.31% while XRPT yields 7.12%, so XRPT currently pays the higher dividend yield.
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