RLTY vs SCHD
RLTY vs SCHD
Cohen & Steers Real Estate Opportunities and Income Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. RLTY offers more diversification with 169 holdings.
Side-by-Side Comparison
| Metric | RLTY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.19% | 0.06% | |
| AUM | $260M | $103.7B | |
| Dividend Yield | 7.57% | 3.31% | |
| Holdings | 232 | 104 | |
| YTD Return | +13.85% | +23.02% | |
| 1Y Return | +12.88% | +30.75% | |
| 3Y Return (annualized) | +14.16% | +14.89% | |
| 5Y Return (annualized) | - | +9.38% | |
| Volatility (annualized) | 23.3% | 13.6% | |
| Max Drawdown | -35.4% | -33.4% | |
| Fund Family | Cohen & Steers Funds | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Feb 24, 2022 | Oct 20, 2011 |
RLTY vs SCHD Performance
Cohen & Steers Real Estate Opportunities and Income Fund (RLTY) is a ETF from Cohen & Steers Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RLTY returned +12.88% while SCHD returned +30.75%. Year to date, RLTY is up 13.85% versus a gain of 23.02% for SCHD.
Over three years, RLTY compounded at +14.16% per year against +14.89% for SCHD. Across the full 4-year window we track, SCHD has the edge at +11.33% annualized vs +3.66%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RLTY has been the more volatile fund, with annualized monthly volatility of 23.3% 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 -35.4% for RLTY 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RLTY charges 1.19% per year while SCHD charges 0.06%. On a $10,000 position that is $119 vs $6 annually, a gap of $113 per year that compounds over a long holding period. On income, RLTY currently yields 7.57% against 3.31% for SCHD.
Holdings Overlap
RLTY and SCHD share 1 holdings out of 268 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RLTY | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 1.78% | 0.04% | 1.74% |
Frequently Asked Questions
Which is cheaper, RLTY or SCHD?
RLTY has an expense ratio of 1.19% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $113 per year of difference.
Which performed better, RLTY or SCHD?
Over the past year RLTY returned +12.88% vs +30.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), RLTY annualized +3.66% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, RLTY or SCHD?
RLTY has been the more volatile fund at 23.3% annualized versus 13.6% for SCHD. Worst drawdown: RLTY -35.4% vs SCHD -33.4%.
Should I hold both RLTY and SCHD?
RLTY and SCHD have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RLTY and SCHD?
RLTY and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 268 unique securities.
Which pays a higher dividend, RLTY or SCHD?
RLTY yields 7.57% while SCHD yields 3.31%, so RLTY currently pays the higher dividend yield.
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