CAFG vs SCHD
Pacer US Small Cap Cash Cows Growth Leaders ETF vs Schwab US Dividend Equity ETF
Which is better, CAFG or SCHD?
Small Cap Growth against Large Cap Value.
SCHD has a lower expense ratio. CAFG led over the full window, SCHD over 1Y and 3Y. CAFG is less concentrated, with 25.2% of the fund in its ten largest positions against 41.8%.
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 | CAFG | SCHD |
|---|---|---|
| Expense Ratio | 0.59% | 0.06%Best |
| AUM | $45M | $112.1B |
| Dividend Yield | 0.31% | 3.00% |
| Holdings | 102 | 103 |
| YTD Return | +27.19%Best | +24.96% |
| 1Y Return | +26.19% | +28.75%Best |
| 3Y Return (annualized) | +15.32% | +15.71%Best |
| 5Y Return (annualized) | - | +9.86% |
| Volatility (annualized) | 17.9% | 13.3%Best |
| Max Drawdown | -23.7% | -16.1%Best |
| $10,000 over 3.4 years | $16,680Best | $16,313 |
| Top 10 Weight | 25.2%Best | 41.8% |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Small Cap Growth | Large Cap Value |
| Inception | May 1, 2023 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 3.4 years row, are measured over the window both funds cover: May 2, 2023 to Sep 9, 2026 (3.4 years).
CAFG 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 3.4 years both funds cover.
CAFG vs SCHD Performance
Pacer US Small Cap Cash Cows Growth Leaders ETF (CAFG) is an ETF from Pacer ETFs and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year CAFG returned +26.19% while SCHD returned +28.75%. Year to date, CAFG is up 27.19% versus a gain of 24.96% for SCHD.
Over three years, CAFG compounded at +15.32% per year against +15.71% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
CAFG has been the more volatile fund, with annualized monthly volatility of 17.9% compared with 13.3% 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 -23.7% for CAFG and -16.1% 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CAFG charges 0.59% per year while SCHD charges 0.06%. On a $10,000 position that is $59 vs $6 annually, a gap of $53 per year that compounds over a long holding period. On income, CAFG currently yields 0.31% against 3.00% for SCHD.
Holdings Overlap
0.5% of CAFG's money is in holdings SCHD also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
1 positions in common, counted across the 101 positions we hold weights for in CAFG and 100 in SCHD, against full books of 102 and 103.
What only one of them owns
Our book lists 98 positions for SCHD that do not appear in our book for CAFG (99.9% of the fund), and 99 for CAFG that do not appear in SCHD (98.1%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in CAFG | Weight in SCHD | Difference |
|---|---|---|---|
| BKEBuckle Inc | 0.49% | 0.03% | 0.46% |
You are not choosing between two funds in isolation.
Whichever of CAFG 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, CAFG or SCHD?
CAFG has an expense ratio of 0.59% while SCHD charges 0.06%. SCHD is the cheaper option, by $53 a year on a $10,000 investment.
Which performed better, CAFG or SCHD?
Over the past year CAFG returned +26.19% vs +28.75% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CAFG or SCHD?
CAFG has been the more volatile fund at 17.9% annualized versus 13.3% for SCHD. Worst drawdown: CAFG -23.7% vs SCHD -16.1%.
Should I hold both CAFG and SCHD?
CAFG and SCHD have a monthly-return correlation of 0.71, 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, CAFG or SCHD?
CAFG yields 0.31% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than CAFG?
SCHD has a lower expense ratio. CAFG led over the full window, SCHD over 1Y and 3Y. CAFG is less concentrated, with 25.2% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.