RTRE vs SCHD
RTRE vs SCHD
Rareview Total Return Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | RTRE | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.70% | 0.06% | |
| AUM | $57M | $103.7B | |
| Dividend Yield | 4.33% | 3.31% | |
| Holdings | 64 | 104 | |
| YTD Return | -1.70% | +24.08% | |
| 1Y Return | +0.77% | +31.88% | |
| 3Y Return (annualized) | - | +14.92% | |
| 5Y Return (annualized) | - | +9.85% | |
| Volatility (annualized) | 4.6% | 13.6% | |
| Max Drawdown | -5.0% | -33.4% | |
| Fund Family | Rareview Capital | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | May 31, 2024 | Oct 20, 2011 |
RTRE vs SCHD Performance
Rareview Total Return Bond ETF (RTRE) is a ETF from Rareview Capital and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RTRE returned +0.77% while SCHD returned +31.88%. Year to date, RTRE is down 1.70% versus a gain of 24.08% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 4.6% for RTRE. 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 -5.0% for RTRE 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 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RTRE charges 0.70% per year while SCHD charges 0.06%. On a $10,000 position that is $70 vs $6 annually, a gap of $64 per year that compounds over a long holding period. On income, RTRE currently yields 4.33% against 3.31% for SCHD.
Holdings Overlap
RTRE and SCHD share 0 holdings out of 113 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, RTRE or SCHD?
RTRE has an expense ratio of 0.70% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $64 per year of difference.
Which performed better, RTRE or SCHD?
Over the past year RTRE returned +0.77% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), RTRE annualized +2.96% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, RTRE or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.6% for RTRE. Worst drawdown: RTRE -5.0% vs SCHD -33.4%.
Should I hold both RTRE and SCHD?
RTRE and SCHD have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RTRE and SCHD?
RTRE and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 113 unique securities.
Which pays a higher dividend, RTRE or SCHD?
RTRE yields 4.33% while SCHD yields 3.31%, so RTRE currently pays the higher dividend yield.
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