RNP vs SCHD
RNP vs SCHD
Cohen & Steers REIT and Preferred and Income Fund, Inc. vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. RNP offers more diversification with 206 holdings.
Side-by-Side Comparison
| Metric | RNP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.78% | 0.06% | |
| AUM | $2,650.69 | $103.7B | |
| Dividend Yield | 7.44% | 3.31% | |
| Holdings | 311 | 104 | |
| YTD Return | +7.58% | +24.08% | |
| 1Y Return | +0.62% | +31.88% | |
| 3Y Return (annualized) | +10.27% | +14.92% | |
| 5Y Return (annualized) | +3.45% | +9.85% | |
| Volatility (annualized) | 27.4% | 13.6% | |
| Max Drawdown | -90.8% | -33.4% | |
| Fund Family | Cohen & Steers Funds | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Jun 27, 2003 | Oct 20, 2011 |
RNP vs SCHD Performance
Cohen & Steers REIT and Preferred and Income Fund, Inc. (RNP) 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 RNP returned +0.62% while SCHD returned +31.88%. Year to date, RNP is up 7.58% versus a gain of 24.08% for SCHD.
Over three years, RNP compounded at +10.27% per year against +14.92% for SCHD; over five years the annualized figures are +3.45% and +9.85% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +1.11%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RNP has been the more volatile fund, with annualized monthly volatility of 27.4% 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 -90.8% for RNP 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RNP charges 1.78% per year while SCHD charges 0.06%. On a $10,000 position that is $178 vs $6 annually, a gap of $172 per year that compounds over a long holding period. On income, RNP currently yields 7.44% against 3.31% for SCHD.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, RNP or SCHD?
RNP has an expense ratio of 1.78% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $172 per year of difference.
Which performed better, RNP or SCHD?
Over the past year RNP returned +0.62% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), RNP annualized +1.11% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RNP or SCHD?
RNP has been the more volatile fund at 27.4% annualized versus 13.6% for SCHD. Worst drawdown: RNP -90.8% vs SCHD -33.4%.
Should I hold both RNP and SCHD?
RNP and SCHD have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RNP and SCHD?
RNP and SCHD share 2 common holdings with a 0.4% weight overlap. Combined, they hold 304 unique securities.
Which pays a higher dividend, RNP or SCHD?
RNP yields 7.44% while SCHD yields 3.31%, so RNP currently pays the higher dividend yield.
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