REFA vs SCHD
REFA vs SCHD
Columbia Research Enhanced International Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. REFA offers more diversification with 210 holdings.
Side-by-Side Comparison
| Metric | REFA | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.32% | 0.06% | |
| AUM | $6M | $103.7B | |
| Dividend Yield | 0.03% | 3.31% | |
| Holdings | 207 | 104 | |
| YTD Return | +13.37% | +23.53% | |
| 1Y Return | - | +30.95% | |
| 3Y Return (annualized) | - | +14.72% | |
| 5Y Return (annualized) | - | +9.56% | |
| Volatility (annualized) | - | 13.6% | |
| Max Drawdown | -11.2% | -33.4% | |
| Fund Family | Columbia Threadneedle Investments | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 11, 2025 | Oct 20, 2011 |
REFA vs SCHD Performance
Columbia Research Enhanced International Equity ETF (REFA) is a ETF from Columbia Threadneedle Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, REFA is up 13.37% versus a gain of 23.53% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -11.2% for REFA and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
REFA charges 0.32% per year while SCHD charges 0.06%. On a $10,000 position that is $32 vs $6 annually, a gap of $26 per year that compounds over a long holding period. On income, REFA currently yields 0.03% against 3.31% for SCHD.
Holdings Overlap
REFA and SCHD share 0 holdings out of 310 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, REFA or SCHD?
REFA has an expense ratio of 0.32% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
What is the holdings overlap between REFA and SCHD?
REFA and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 310 unique securities.
Which pays a higher dividend, REFA or SCHD?
REFA yields 0.03% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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