BUL vs SCHD
Pacer US Cash Cows Growth ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | BUL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.60% | 0.06% | |
| AUM | $132M | $103.7B | |
| Dividend Yield | 0.22% | 3.31% | |
| Holdings | 51 | 104 | |
| YTD Return | +16.32% | +24.26% | |
| 1Y Return | +27.84% | +31.38% | |
| 3Y Return (annualized) | +21.72% | +15.08% | |
| 5Y Return (annualized) | +11.47% | +9.72% | |
| Volatility (annualized) | 19.8% | 13.6% | |
| Max Drawdown | -37.3% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 2, 2019 | Oct 20, 2011 |
BUL vs SCHD Performance
Pacer US Cash Cows Growth ETF (BUL) is a ETF from Pacer ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BUL returned +27.84% while SCHD returned +31.38%. Year to date, BUL is up 16.32% versus a gain of 24.26% for SCHD.
Over three years, BUL compounded at +21.72% per year against +15.08% for SCHD; over five years the annualized figures are +11.47% and +9.72% respectively. Across the full 7-year window we track, BUL has the edge at +14.58% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BUL has been the more volatile fund, with annualized monthly volatility of 19.8% 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 -37.3% for BUL and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BUL charges 0.60% per year while SCHD charges 0.06%. On a $10,000 position that is $60 vs $6 annually, a gap of $54 per year that compounds over a long holding period. On income, BUL currently yields 0.22% against 3.31% for SCHD.
Holdings Overlap
BUL and SCHD share 0 holdings out of 151 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BUL or SCHD?
BUL has an expense ratio of 0.60% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $54 per year of difference.
Which performed better, BUL or SCHD?
Over the past year BUL returned +27.84% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), BUL annualized +14.58% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BUL or SCHD?
BUL has been the more volatile fund at 19.8% annualized versus 13.6% for SCHD. Worst drawdown: BUL -37.3% vs SCHD -33.4%.
Should I hold both BUL and SCHD?
BUL and SCHD have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BUL and SCHD?
BUL and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 151 unique securities.
Which pays a higher dividend, BUL or SCHD?
BUL yields 0.22% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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