RWLC vs SCHD
RWLC vs SCHD
Rayliant NxtGen Multifactor US Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns.
Side-by-Side Comparison
| Metric | RWLC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.32% | 0.06% | |
| AUM | $97M | $103.7B | |
| Dividend Yield | 13.05% | 3.31% | |
| Holdings | 107 | 104 | |
| YTD Return | +16.19% | +23.53% | |
| 1Y Return | - | +30.95% | |
| 3Y Return (annualized) | - | +14.72% | |
| 5Y Return (annualized) | - | +9.56% | |
| Volatility (annualized) | - | 13.6% | |
| Max Drawdown | -8.5% | -33.4% | |
| Fund Family | The Advisors Inner Circle Fund | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 15, 2021 | Oct 20, 2011 |
RWLC vs SCHD Performance
Rayliant NxtGen Multifactor US Equity ETF (RWLC) is a ETF from The Advisors Inner Circle Fund and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, RWLC is up 16.19% versus a gain of 23.53% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -8.5% for RWLC and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
RWLC charges 0.32% per year while SCHD charges 0.06%. On a $10,000 position that is $32 vs $6 annually, a gap of $26 per year that compounds over a long holding period. On income, RWLC currently yields 13.05% against 3.31% for SCHD.
Holdings Overlap
RWLC and SCHD share 5 holdings out of 195 unique holdings combined, representing a 3.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in RWLC | Weight in SCHD | Difference |
|---|---|---|---|
| MO | 2.03% | 3.15% | 1.12% |
| UNH | 0.19% | 4.54% | 4.35% |
| MRK | 0.34% | 4.32% | 3.98% |
| BMY | Pro | Pro | Pro |
| DRI | Pro | Pro | Pro |
See all 5 holdings RWLC shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, RWLC or SCHD?
RWLC has an expense ratio of 0.32% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $26 per year of difference.
What is the holdings overlap between RWLC and SCHD?
RWLC and SCHD share 5 common holdings with a 3.2% weight overlap. Combined, they hold 195 unique securities.
Which pays a higher dividend, RWLC or SCHD?
RWLC yields 13.05% while SCHD yields 3.31%, so RWLC currently pays the higher dividend yield.
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