ACP vs SCHD
Abrdn Income Credit Strategies Fund vs Schwab US Dividend Equity ETF
Which is better, ACP or SCHD?
High Yield Bond against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y 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 | ACP | SCHD |
|---|---|---|
| Expense Ratio | 2.86% | 0.06%Best |
| AUM | $805M | $112.2B |
| Dividend Yield | 17.42% | 3.13% |
| Holdings | 214 | 103 |
| YTD Return | +3.82% | +28.59%Best |
| 1Y Return | +0.87% | +31.77%Best |
| 3Y Return (annualized) | +6.12% | +16.70%Best |
| 5Y Return (annualized) | -0.16% | +10.09%Best |
| Volatility (annualized) | 19.7% | 13.6%Best |
| Max Drawdown | -70.1% | -33.4%Best |
| $10,000 over 5 years | $9,920 | $16,171Best |
| Fund Family | Aberdeen | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Value |
| Inception | Jan 27, 2011 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 3, 2026 (14.9 years).
ACP vs SCHD 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 14.9 years both funds cover.
ACP vs SCHD Performance
Abrdn Income Credit Strategies Fund (ACP) is an ETF from Aberdeen and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year ACP returned +0.87% while SCHD returned +31.77%. Year to date, ACP is up 3.82% versus a gain of 28.59% for SCHD.
Over three years, ACP compounded at +6.12% per year against +16.70% for SCHD; over five years the annualized figures are -0.16% and +10.09% respectively. Across the full 15-year window we track, SCHD has the edge at +11.59% annualized vs -2.22%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ACP has been the more volatile fund, with annualized monthly volatility of 19.7% compared with 13.6% for SCHD. 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 -70.1% for ACP and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.57. They move together some of the time, and apart the rest.
Fees and Cost Over Time
ACP charges 2.86% per year while SCHD charges 0.06%. On a $10,000 position that is $286 vs $6 annually, a gap of $280 per year that compounds over a long holding period. On income, ACP currently yields 17.42% against 3.13% for SCHD.
Holdings Overlap
At least 0.1% of SCHD's money is in holdings ACP also owns.
Stated as a floor: for ACP, our book for it covers 68.9% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
The two holdings books were reported 188 days apart, ACP as of Jan 31, 2026 and SCHD as of Aug 7, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 81 positions we hold weights for in ACP and 100 in SCHD, against full books of 214 and 103.
Top Shared Holdings
| Stock | Weight in ACP | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXXState Street Institutional US Government Money Market Fund | 7.48% | 0.05% | 7.43% |
You are not choosing between two funds in isolation.
Whichever of ACP 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, ACP or SCHD?
ACP has an expense ratio of 2.86% while SCHD charges 0.06%. SCHD is the cheaper option, by $280 a year on a $10,000 investment.
Which performed better, ACP or SCHD?
Over the past year ACP returned +0.87% vs +31.77% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), ACP annualized -2.22% vs +11.59% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ACP or SCHD?
ACP has been the more volatile fund at 19.7% annualized versus 13.6% for SCHD. Worst drawdown: ACP -70.1% vs SCHD -33.4%.
Should I hold both ACP and SCHD?
ACP and SCHD have a monthly-return correlation of 0.57, 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, ACP or SCHD?
ACP yields 17.42% while SCHD yields 3.13%, so ACP currently pays the higher dividend yield.
Is SCHD better than ACP?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.