USRT vs. SCHD
USRT (iShares Core U.S. REIT ETF) and SCHD (Schwab U.S. Dividend Equity ETF) are both exchange-traded funds - USRT is a REIT fund tracking the FTSE Nareit Equity REITS 40 Act Capped Index, while SCHD is a Dividend fund tracking the Dow Jones U.S. Dividend 100 Index. Both are passively managed. Over the past 10 years, USRT returned 6.03%/yr vs 12.76%/yr for SCHD. Their 0.61 correlation means they have sometimes moved together and sometimes differently. USRT charges 0.08%/yr vs 0.06%/yr for SCHD.
Performance
USRT vs. SCHD - Performance Comparison
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Returns By Period
In the year-to-date period, USRT achieves a 20.27% return, which is significantly lower than SCHD's 24.03% return. Over the past 10 years, USRT has underperformed SCHD with an annualized return of 6.03%, while SCHD has yielded a comparatively higher 12.76% annualized return.
USRT
- 1D
- -0.54%
- 1M
- 0.64%
- 6M
- 16.77%
- YTD
- 20.27%
- 1Y
- 25.30%
- 3Y*
- 12.13%
- 5Y*
- 5.19%
- 10Y*
- 6.03%
- ALL TIME*
- 5.55%
SCHD
- 1D
- 0.18%
- 1M
- 3.33%
- 6M
- 14.09%
- YTD
- 24.03%
- 1Y
- 31.54%
- 3Y*
- 14.19%
- 5Y*
- 9.54%
- 10Y*
- 12.76%
- ALL TIME*
- 13.39%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $786.88M | $715.86M | $685.58M | |
| $30.77M | $33.55M | $34.12M |
USRT vs. SCHD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USRT iShares Core U.S. REIT ETF | 20.27% | 2.44% | 8.58% | 13.64% | -24.43% | 43.26% | -8.06% | 25.98% | -4.67% | 5.27% |
SCHD Schwab U.S. Dividend Equity ETF | 24.03% | 4.34% | 11.66% | 4.54% | -3.26% | 29.87% | 15.03% | 27.29% | -5.56% | 20.85% |
Correlation
The correlation between USRT and SCHD is 0.59, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.59 |
Correlation (3Y) Balances recent behavior with more history. | 0.68 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.70 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.61 |
Correlation (All Time) Calculated using the full available price history since Oct 20, 2011 | 0.61 |
The correlation between USRT and SCHD shifts across timeframes, from 0.59 (1 year) to 0.70 (5 years), reflecting how their relationship changes across market environments.
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Return for Risk
USRT vs. SCHD — Risk / Return Rank
USRT
SCHD
USRT vs. SCHD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares Core U.S. REIT ETF (USRT) and Schwab U.S. Dividend Equity ETF (SCHD). 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.
| USRT | SCHD | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.01 | ||
| Sortino ratioReturn per unit of downside risk | -1.85 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.51 | -0.19 |
| Calmar ratioReturn relative to maximum drawdown | 3.09 | 6.74 | -3.65 |
| Martin ratioReturn relative to average drawdown | 10.42 | 17.01 | -6.59 |
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Drawdowns
USRT vs. SCHD - Drawdown Comparison
The maximum USRT drawdown since its inception was -69.92%, which is greater than SCHD's maximum drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for USRT and SCHD.
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Drawdown Indicators
| USRT | SCHD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -69.92% | -33.37% | -36.55% |
Max Drawdown (1Y)Largest decline over 1 year | -8.04% | -4.61% | -3.43% |
Max Drawdown (3Y)Largest decline over 3 years | -18.70% | -16.13% | -2.57% |
Max Drawdown (5Y)Largest decline over 5 years | -31.03% | -16.85% | -14.18% |
Max Drawdown (10Y)Largest decline over 10 years | -44.38% | -33.37% | -11.01% |
Current DrawdownCurrent decline from peak | -2.76% | -1.24% | -1.52% |
Average DrawdownAverage peak-to-trough decline | -12.88% | -3.30% | -9.58% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.37% | 1.82% | +0.55% |
Volatility
USRT vs. SCHD - Volatility Comparison
iShares Core U.S. REIT ETF (USRT) has a higher volatility of 4.64% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 4.11%. This indicates that USRT's price experiences larger fluctuations and is considered to be riskier than SCHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USRT | SCHD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.64% | 4.11% | +0.53% |
Volatility (6M)Calculated over the trailing 6-month period | 10.64% | 8.11% | +2.53% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.87% | 11.13% | +2.74% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 18.93% | 14.39% | +4.54% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 21.34% | 16.72% | +4.62% |
USRT vs. SCHD - Expense Ratio Comparison
USRT has a 0.08% expense ratio, which is higher than SCHD's 0.06% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
USRT vs. SCHD - Dividend Comparison
USRT's dividend yield for the trailing twelve months is around 2.51%, less than SCHD's 3.13% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SCHD Schwab U.S. Dividend Equity ETF | 3.13% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
USRT iShares Core U.S. REIT ETF | 2.51% | 3.07% | 2.85% | 3.18% | 3.46% | 2.27% | 3.12% | 3.34% | 5.66% | 3.44% | 3.98% | 3.59% |
Frequently Asked Questions
USRT and SCHD have a correlation of 0.59, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USRT has higher volatility (4.64%) compared to SCHD (4.11%). In terms of maximum drawdown, USRT dropped -69.92% vs SCHD's -33.37%.
On 10-year performance, SCHD leads with 12.76% vs 6.03% for USRT. On fees, SCHD is cheaper at 0.06% per year. On volatility, SCHD has been the lower-risk option at 4.11%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 10-year period, SCHD has performed better with a 12.76% return vs 6.03%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
SCHD is cheaper with a 0.06% expense ratio, compared with 0.08% for USRT.
SCHD has the higher dividend yield at 3.13%, compared with 2.51% for USRT.
USRT is categorized as REIT, while SCHD is Dividend. USRT tracks FTSE Nareit Equity REITS 40 Act Capped Index, while SCHD tracks Dow Jones U.S. Dividend 100 Index. They also come from different issuers: iShares and Charles Schwab. Their fees differ too: 0.08% for USRT and 0.06% for SCHD.
SCHD currently has the higher Sharpe Ratio (2.81 vs 1.80), 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.
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