FLRT vs SCHD
Pacer Aristotle Pacific Floating Rate High Income ETF vs Schwab US Dividend Equity ETF
Which is better, FLRT or SCHD?
Bank Loan 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 | FLRT | SCHD |
|---|---|---|
| Expense Ratio | 0.60% | 0.06%Best |
| AUM | $728M | $112.1B |
| Dividend Yield | 6.77% | 3.00% |
| Holdings | 300 | 103 |
| YTD Return | +2.89% | +21.73%Best |
| 1Y Return | +4.60% | +26.35%Best |
| 3Y Return (annualized) | +7.34% | +16.02%Best |
| 5Y Return (annualized) | +6.04% | +9.26%Best |
| Volatility (annualized) | 5.3%Best | 14.8% |
| Max Drawdown | -25.8%Best | -33.4% |
| $10,000 over 5 years | $13,408 | $15,571Best |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Bank Loan | Large Cap Value |
| Inception | Feb 18, 2015 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 19, 2015 to Sep 25, 2026 (11.6 years).
FLRT 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 11.6 years both funds cover.
FLRT vs SCHD Performance
Pacer Aristotle Pacific Floating Rate High Income ETF (FLRT) 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 FLRT returned +4.60% while SCHD returned +26.35%. Year to date, FLRT is up 2.89% versus a gain of 21.73% for SCHD.
Over three years, FLRT compounded at +7.34% per year against +16.02% for SCHD; over five years the annualized figures are +6.04% and +9.26% respectively. Across the full 12-year window we track, SCHD has the edge at +9.88% annualized vs +2.54%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.8% compared with 5.3% for FLRT. 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 -25.8% for FLRT 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 0.50. They move together some of the time, and apart the rest.
Fees and Cost Over Time
FLRT 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, FLRT currently yields 6.77% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 81 holdings in FLRT and 100 in SCHD, totalling 34.9% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 81 positions we hold weights for in FLRT and 100 in SCHD, against full books of 300 and 103.
You are not choosing between two funds in isolation.
Whichever of FLRT 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, FLRT or SCHD?
FLRT has an expense ratio of 0.60% while SCHD charges 0.06%. SCHD is the cheaper option, by $54 a year on a $10,000 investment.
Which performed better, FLRT or SCHD?
Over the past year FLRT returned +4.60% vs +26.35% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (12 years), FLRT annualized +2.54% vs +9.88% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, FLRT or SCHD?
SCHD has been the more volatile fund at 14.8% annualized versus 5.3% for FLRT. Worst drawdown: FLRT -25.8% vs SCHD -33.4%.
Should I hold both FLRT and SCHD?
FLRT and SCHD have a monthly-return correlation of 0.50, 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, FLRT or SCHD?
FLRT yields 6.77% while SCHD yields 3.00%, so FLRT currently pays the higher dividend yield.
Is SCHD better than FLRT?
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.