RCOIN vs SCHD
Arca US Treasury Fund vs Schwab US Dividend Equity ETF
Which is better, RCOIN or SCHD?
SCHD has been ahead.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | RCOIN | SCHD |
|---|---|---|
| Expense Ratio | 0.77% | 0.06%Best |
| AUM | $455,038.47 | $111.6B |
| Dividend Yield | 0.00% | 3.24% |
| Holdings | 4 | 206 |
| Volatility (annualized) | - | 12.9% |
| Max Drawdown | -2.0%Best | -16.1% |
| $10,000 over 2.7 years | $9,807 | $14,512Best |
| Fund Family | Arca Capital Management | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Value |
| Inception | Jul 6, 2020 | Oct 20, 2011 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 26 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. RCOIN has data through Sep 18, 2026 and SCHD through Oct 14, 2026.
Volatility and max drawdown, and the $10,000 over 2.7 years row, are measured over the window both funds cover: Dec 22, 2023 to Sep 18, 2026 (2.7 years).
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -2.0% for RCOIN and -16.1% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
Fees and Cost Over Time
RCOIN charges 0.77% per year while SCHD charges 0.06%. On a $10,000 position that is $77 vs $6 annually, a gap of $71 per year that compounds over a long holding period. On income, RCOIN currently yields 0.00% against 3.24% for SCHD.
Holdings Overlap
We hold position weights for 1 holding in RCOIN and 98 in SCHD, totalling 13.3% and 99.8% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 95 days apart, RCOIN as of Jun 30, 2026 and SCHD as of Oct 3, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 1 positions we hold weights for in RCOIN and 98 in SCHD, against full books of 4 and 206.
You are not choosing between two funds in isolation.
Whichever of RCOIN and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, RCOIN or SCHD?
RCOIN has an expense ratio of 0.77% while SCHD charges 0.06%. SCHD is the cheaper option, by $71 a year on a $10,000 investment.
Which pays a higher dividend, RCOIN or SCHD?
RCOIN yields 0.00% while SCHD yields 3.24%, so SCHD currently pays the higher dividend yield.
Is SCHD better than RCOIN?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.