RECS vs SCHD
RECS vs SCHD
Columbia Research Enhanced Core ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. RECS offers more diversification with 360 holdings.
Side-by-Side Comparison
| Metric | RECS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $5.9B | $103.7B | |
| Dividend Yield | 1.05% | 3.31% | |
| Holdings | 368 | 104 | |
| YTD Return | +10.57% | +24.26% | |
| 1Y Return | +20.40% | +31.38% | |
| 3Y Return (annualized) | +21.30% | +15.08% | |
| 5Y Return (annualized) | +13.77% | +9.72% | |
| Volatility (annualized) | 16.5% | 13.6% | |
| Max Drawdown | -34.3% | -33.4% | |
| Fund Family | Columbia Threadneedle Investments | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Sep 25, 2019 | Oct 20, 2011 |
RECS vs SCHD Performance
Columbia Research Enhanced Core ETF (RECS) is a ETF from Columbia Threadneedle Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RECS returned +20.40% while SCHD returned +31.38%. Year to date, RECS is up 10.57% versus a gain of 24.26% for SCHD.
Over three years, RECS compounded at +21.30% per year against +15.08% for SCHD; over five years the annualized figures are +13.77% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +4.01%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RECS has been the more volatile fund, with annualized monthly volatility of 16.5% 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 -34.3% for RECS and -33.4% for SCHD. 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 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RECS charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, RECS currently yields 1.05% against 3.31% for SCHD.
Holdings Overlap
RECS and SCHD share 28 holdings out of 432 unique holdings combined, representing a 8.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RECS | Weight in SCHD | Difference |
|---|---|---|---|
| PG | 2.23% | 4.15% | 1.92% |
| CVX | 1.02% | 3.95% | 2.93% |
| AMGN | 0.30% | 4.25% | 3.95% |
| BMY | Pro | Pro | Pro |
| MO | Pro | Pro | Pro |
| QCOM | Pro | Pro | Pro |
| ADP | Pro | Pro | Pro |
| CMCSA | Pro | Pro | Pro |
| TGT | Pro | Pro | Pro |
| F | Pro | Pro | Pro |
See all 10 holdings RECS shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, RECS or SCHD?
RECS has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, RECS or SCHD?
Over the past year RECS returned +20.40% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), RECS annualized +4.01% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RECS or SCHD?
RECS has been the more volatile fund at 16.5% annualized versus 13.6% for SCHD. Worst drawdown: RECS -34.3% vs SCHD -33.4%.
Should I hold both RECS and SCHD?
RECS and SCHD have a monthly-return correlation of 0.80, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RECS and SCHD?
RECS and SCHD share 28 common holdings with a 8.9% weight overlap. Combined, they hold 432 unique securities.
Which pays a higher dividend, RECS or SCHD?
RECS yields 1.05% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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