RQI vs SCHD
RQI vs SCHD
Cohen & Steers Quality Income Realty Fund Inc vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. RQI offers more diversification with 171 holdings.
Side-by-Side Comparison
| Metric | RQI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.91% | 0.06% | |
| AUM | $1,620.47 | $103.7B | |
| Dividend Yield | 8.59% | 3.31% | |
| Holdings | 200 | 104 | |
| YTD Return | +14.80% | +24.26% | |
| 1Y Return | +11.71% | +31.38% | |
| 3Y Return (annualized) | +11.30% | +15.08% | |
| 5Y Return (annualized) | +3.16% | +9.72% | |
| Volatility (annualized) | 33.2% | 13.6% | |
| Max Drawdown | -94.1% | -33.4% | |
| Fund Family | Cohen & Steers Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Feb 28, 2002 | Oct 20, 2011 |
RQI vs SCHD Performance
Cohen & Steers Quality Income Realty Fund Inc (RQI) 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 RQI returned +11.71% while SCHD returned +31.38%. Year to date, RQI is up 14.80% versus a gain of 24.26% for SCHD.
Over three years, RQI compounded at +11.30% per year against +15.08% for SCHD; over five years the annualized figures are +3.16% and +9.72% respectively. Across the full 15-year window we track, SCHD has the edge at +11.39% annualized vs +1.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RQI has been the more volatile fund, with annualized monthly volatility of 33.2% 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 -94.1% for RQI 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
RQI charges 1.91% per year while SCHD charges 0.06%. On a $10,000 position that is $191 vs $6 annually, a gap of $185 per year that compounds over a long holding period. On income, RQI currently yields 8.59% against 3.31% for SCHD.
Holdings Overlap
RQI and SCHD share 1 holdings out of 270 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 RQI | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 0.56% | 0.04% | 0.52% |
Frequently Asked Questions
Which is cheaper, RQI or SCHD?
RQI has an expense ratio of 1.91% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $185 per year of difference.
Which performed better, RQI or SCHD?
Over the past year RQI returned +11.71% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), RQI annualized +1.09% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RQI or SCHD?
RQI has been the more volatile fund at 33.2% annualized versus 13.6% for SCHD. Worst drawdown: RQI -94.1% vs SCHD -33.4%.
Should I hold both RQI and SCHD?
RQI 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 RQI and SCHD?
RQI and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 270 unique securities.
Which pays a higher dividend, RQI or SCHD?
RQI yields 8.59% while SCHD yields 3.31%, so RQI currently pays the higher dividend yield.
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