RULE vs SCHD
RULE vs SCHD
Adaptive Core ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. RULE delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | RULE | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.84% | 0.06% | |
| AUM | $15M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 36 | 104 | |
| YTD Return | +30.34% | +23.31% | |
| 1Y Return | +34.62% | +30.42% | |
| 3Y Return (annualized) | +15.83% | +14.66% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 17.9% | 13.6% | |
| Max Drawdown | -30.5% | -33.4% | |
| Fund Family | Mohr Funds | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Nov 2, 2021 | Oct 20, 2011 |
RULE vs SCHD Performance
Adaptive Core ETF (RULE) is a ETF from Mohr Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RULE returned +34.62% while SCHD returned +30.42%. Year to date, RULE is up 30.34% versus a gain of 23.31% for SCHD.
Over three years, RULE compounded at +15.83% per year against +14.66% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.34% annualized vs +4.52%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RULE has been the more volatile fund, with annualized monthly volatility of 17.9% 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 -30.5% for RULE 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RULE charges 1.84% per year while SCHD charges 0.06%. On a $10,000 position that is $184 vs $6 annually, a gap of $178 per year that compounds over a long holding period. On income, RULE currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
RULE and SCHD share 1 holdings out of 134 unique holdings combined, representing a 1.5% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RULE | Weight in SCHD | Difference |
|---|---|---|---|
| TXN | 1.50% | 3.70% | 2.20% |
Frequently Asked Questions
Which is cheaper, RULE or SCHD?
RULE has an expense ratio of 1.84% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $178 per year of difference.
Which performed better, RULE or SCHD?
Over the past year RULE returned +34.62% vs +30.42% for SCHD, so RULE leads on 1-year performance. Over the longest common window we track (5 years), RULE annualized +4.52% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, RULE or SCHD?
RULE has been the more volatile fund at 17.9% annualized versus 13.6% for SCHD. Worst drawdown: RULE -30.5% vs SCHD -33.4%.
Should I hold both RULE and SCHD?
RULE and SCHD have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RULE and SCHD?
RULE and SCHD share 1 common holdings with a 1.5% weight overlap. Combined, they hold 134 unique securities.
Which pays a higher dividend, RULE or SCHD?
RULE yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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