RSBT vs SCHZ
Return Stacked Bonds & Managed Futures ETF vs Schwab US Aggregate Bond ETF
Which is better, RSBT or SCHZ?
Each has led over a different period.
SCHZ has a lower expense ratio. RSBT led over 1Y, SCHZ over 3Y 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 | RSBT | SCHZ |
|---|---|---|
| Expense Ratio | 1.01% | 0.03%Best |
| AUM | $165M | $10.6B |
| Dividend Yield | 2.95% | 4.33% |
| Holdings | 34 | 24,843 |
| YTD Return | +8.40%Best | -2.13% |
| 1Y Return | +8.40%Best | -1.99% |
| 3Y Return (annualized) | +4.37% | +4.41%Best |
| 5Y Return (annualized) | - | -0.63% |
| Volatility (annualized) | 11.2% | 5.5%Best |
| Max Drawdown | -23.6% | -7.4%Best |
| $10,000 over 3.7 years | $10,019 | $10,905Best |
| Fund Family | Return Stacked ETF | Charles Schwab Asset Management |
| Category | Fixed Income | Fixed Income |
| Inception | Feb 7, 2023 | Jul 14, 2011 |
Not shown on this pair: Top 10 Weight, Style.
Volatility and max drawdown, and the $10,000 over 3.7 years row, are measured over the window both funds cover: Feb 8, 2023 to Oct 14, 2026 (3.7 years).
RSBT vs SCHZ growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3.7 years both funds cover.
RSBT vs SCHZ Performance
Return Stacked Bonds & Managed Futures ETF (RSBT) is an ETF from Return Stacked ETF and Schwab US Aggregate Bond ETF (SCHZ) is an ETF from Charles Schwab Asset Management. Over the past year RSBT returned +8.40% while SCHZ returned -1.99%. Year to date, RSBT is up 8.40% versus a loss of 2.13% for SCHZ.
Over three years, RSBT compounded at +4.37% per year against +4.41% for SCHZ. Across the full 4-year window we track, SCHZ has the edge at +2.37% annualized vs +0.05%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RSBT has been the more volatile fund, with annualized monthly volatility of 11.2% compared with 5.5% for SCHZ. 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 -23.6% for RSBT and -7.4% for SCHZ. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.20. They move largely independently of each other.
Fees and Cost Over Time
RSBT charges 1.01% per year while SCHZ charges 0.03%. On a $10,000 position that is $101 vs $3 annually, a gap of $98 per year that compounds over a long holding period. On income, RSBT currently yields 2.95% against 4.33% for SCHZ.
Holdings Overlap
We hold position weights for 2 holdings in RSBT and 10,307 in SCHZ, totalling 90.7% and 61.5% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 2 positions we hold weights for in RSBT and 10,307 in SCHZ, against full books of 34 and 24,843.
You are not choosing between two funds in isolation.
Whichever of RSBT and SCHZ 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, RSBT or SCHZ?
RSBT has an expense ratio of 1.01% while SCHZ charges 0.03%. SCHZ is the cheaper option, by $98 a year on a $10,000 investment.
Which performed better, RSBT or SCHZ?
Over the past year RSBT returned +8.40% vs -1.99% for SCHZ, so RSBT leads on 1-year performance. Over the longest common window we track (4 years), RSBT annualized +0.05% vs +2.37% for SCHZ. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, RSBT or SCHZ?
RSBT has been the more volatile fund at 11.2% annualized versus 5.5% for SCHZ. Worst drawdown: RSBT -23.6% vs SCHZ -7.4%.
Should I hold both RSBT and SCHZ?
RSBT and SCHZ have a monthly-return correlation of 0.20, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, RSBT or SCHZ?
RSBT yields 2.95% while SCHZ yields 4.33%, so SCHZ currently pays the higher dividend yield.
Is SCHZ better than RSBT?
SCHZ has a lower expense ratio. RSBT led over 1Y, SCHZ over 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.