SCHA vs. RBIL
SCHA (Schwab U.S. Small-Cap ETF) and RBIL (F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF) are both exchange-traded funds - SCHA is a Small Cap Blend Equities fund tracking the Dow Jones U.S. Small-Cap Total Stock Market Index, while RBIL is a Inflation-Protected Bonds fund tracking the Bloomberg US Ultrashort TIPS 1-13 Months Index. Both are passively managed. Over the past year, SCHA returned 35.64% vs 3.81% for RBIL. Their -0.18 correlation means they have often moved in opposite directions in the past. SCHA charges 0.04%/yr vs 0.17%/yr for RBIL.
Performance
SCHA vs. RBIL - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, SCHA achieves a 22.32% return, which is significantly higher than RBIL's 2.61% return.
SCHA
- 1D
- -1.03%
- 1M
- -1.00%
- 6M
- 14.74%
- YTD
- 22.32%
- 1Y
- 35.64%
- 3Y*
- 17.02%
- 5Y*
- 7.79%
- 10Y*
- 10.80%
- ALL TIME*
- 12.58%
RBIL
- 1D
- -0.03%
- 1M
- 0.18%
- 6M
- 2.25%
- YTD
- 2.61%
- 1Y
- 3.81%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
- ALL TIME*
- 3.81%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $1.19M | $1.87M | $2.26M | |
| $70.95M | $78.50M | $77.36M |
SCHA vs. RBIL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
SCHA Schwab U.S. Small-Cap ETF | 22.32% | 13.44% |
RBIL F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF | 2.61% | 2.85% |
Correlation
The correlation between SCHA and RBIL is -0.18, meaning they have often moved in opposite directions in the past. This relationship can weaken or reverse as market conditions change.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | -0.18 |
Correlation (All Time) Calculated using the full available price history since Feb 25, 2025 | -0.18 |
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
SCHA vs. RBIL — Risk / Return Rank
SCHA
RBIL
SCHA vs. RBIL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab U.S. Small-Cap ETF (SCHA) and F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF (RBIL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SCHA | RBIL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.12 | ||
| Sortino ratioReturn per unit of downside risk | -3.45 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 2.00 | -0.69 |
| Calmar ratioReturn relative to maximum drawdown | 3.77 | 6.80 | -3.03 |
| Martin ratioReturn relative to average drawdown | 11.90 | 27.52 | -15.62 |
Loading charts...
Drawdowns
SCHA vs. RBIL - Drawdown Comparison
The maximum SCHA drawdown since its inception was -42.41%, which is greater than RBIL's maximum drawdown of -0.56%. Use the drawdown chart below to compare losses from any high point for SCHA and RBIL.
Loading charts...
Drawdown Indicators
| SCHA | RBIL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -42.41% | -0.56% | -41.85% |
Max Drawdown (1Y)Largest decline over 1 year | -9.50% | -0.56% | -8.94% |
Max Drawdown (3Y)Largest decline over 3 years | -27.29% | — | — |
Max Drawdown (5Y)Largest decline over 5 years | -30.79% | — | — |
Max Drawdown (10Y)Largest decline over 10 years | -42.41% | — | — |
Current DrawdownCurrent decline from peak | -3.99% | -0.22% | -3.77% |
Average DrawdownAverage peak-to-trough decline | -7.54% | -0.08% | -7.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.00% | 0.14% | +2.86% |
Volatility
SCHA vs. RBIL - Volatility Comparison
Schwab U.S. Small-Cap ETF (SCHA) has a higher volatility of 6.26% compared to F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF (RBIL) at 0.28%. This indicates that SCHA's price experiences larger fluctuations and is considered to be riskier than RBIL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| SCHA | RBIL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.26% | 0.28% | +5.98% |
Volatility (6M)Calculated over the trailing 6-month period | 14.95% | 0.89% | +14.06% |
Volatility (1Y)Calculated over the trailing 1-year period | 19.32% | 0.96% | +18.36% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 22.09% | 1.06% | +21.03% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 22.79% | 1.06% | +21.73% |
SCHA vs. RBIL - Expense Ratio Comparison
SCHA has a 0.04% expense ratio, which is lower than RBIL's 0.17% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
SCHA vs. RBIL - Dividend Comparison
SCHA's dividend yield for the trailing twelve months is around 1.03%, less than RBIL's 4.16% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RBIL F/m Ultrashort Treasury Inflation-Protected Security (TIPS) ETF | 4.16% | 3.65% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SCHA Schwab U.S. Small-Cap ETF | 1.03% | 1.26% | 1.51% | 1.42% | 1.37% | 1.19% | 1.05% | 1.39% | 1.58% | 1.24% | 1.50% | 1.48% |
Frequently Asked Questions
SCHA and RBIL have a correlation of -0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SCHA has higher volatility (6.26%) compared to RBIL (0.28%). In terms of maximum drawdown, SCHA dropped -42.41% vs RBIL's -0.56%.
On 1-year performance, SCHA leads with 35.64% vs 3.81% for RBIL. On fees, SCHA is cheaper at 0.04% per year. On volatility, RBIL has been the lower-risk option at 0.28%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 1-year period, SCHA has performed better with a 35.64% return vs 3.81%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
SCHA is cheaper with a 0.04% expense ratio, compared with 0.17% for RBIL.
RBIL has the higher dividend yield at 4.16%, compared with 1.03% for SCHA.
SCHA is categorized as Small Cap Blend Equities, while RBIL is Inflation-Protected Bonds. SCHA tracks Dow Jones U.S. Small-Cap Total Stock Market Index, while RBIL tracks Bloomberg US Ultrashort TIPS 1-13 Months Index. They also come from different issuers: Charles Schwab and F/m. Their fees differ too: 0.04% for SCHA and 0.17% for RBIL.
RBIL currently has the higher Sharpe Ratio (3.98 vs 1.85), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for SCHA and RBIL
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer