ISD vs SCHD
PGIM High Yield Bond Fund, Inc vs Schwab US Dividend Equity ETF
Which is better, ISD or SCHD?
High Yield Bond against Large Cap Value.
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 | ISD | SCHD |
|---|---|---|
| Expense Ratio | - | 0.06% |
| AUM | $468M | $112.1B |
| Dividend Yield | 9.31% | 3.00% |
| Holdings | 780 | 103 |
| YTD Return | -12.31% | +25.84%Best |
| 1Y Return | -10.71% | +30.18%Best |
| 3Y Return (annualized) | +9.33% | +16.08%Best |
| 5Y Return (annualized) | +3.01% | +9.97%Best |
| Volatility (annualized) | 12.2%Best | 13.8% |
| Max Drawdown | -54.3% | -33.4%Best |
| $10,000 over 5 years | $11,598 | $16,083Best |
| Fund Family | PGIM Investments | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Value |
| Inception | Apr 26, 2012 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Apr 26, 2012 to Sep 15, 2026 (14.4 years).
ISD 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 14.4 years both funds cover.
ISD vs SCHD Performance
PGIM High Yield Bond Fund, Inc (ISD) is an ETF from PGIM Investments and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year ISD returned -10.71% while SCHD returned +30.18%. Year to date, ISD is down 12.31% versus a gain of 25.84% for SCHD.
Over three years, ISD compounded at +9.33% per year against +16.08% for SCHD; over five years the annualized figures are +3.01% and +9.97% respectively. Across the full 14-year window we track, SCHD has the edge at +10.98% annualized vs +0.06%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.8% compared with 12.2% for ISD. 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 -54.3% for ISD 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 0.68. They move together some of the time, and apart the rest.
Holdings Overlap
We hold position weights for 609 holdings in ISD and 100 in SCHD, totalling 81.3% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 213 days apart, ISD as of Jan 30, 2026 and SCHD as of Aug 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 609 positions we hold weights for in ISD and 100 in SCHD, against full books of 780 and 103.
You are not choosing between two funds in isolation.
Whichever of ISD 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 performed better, ISD or SCHD?
Over the past year ISD returned -10.71% vs +30.18% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (14 years), ISD annualized +0.06% vs +10.98% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, ISD or SCHD?
SCHD has been the more volatile fund at 13.8% annualized versus 12.2% for ISD. Worst drawdown: ISD -54.3% vs SCHD -33.4%.
Should I hold both ISD and SCHD?
ISD and SCHD have a monthly-return correlation of 0.68, 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, ISD or SCHD?
ISD yields 9.31% while SCHD yields 3.00%, so ISD currently pays the higher dividend yield.
Is SCHD better than ISD?
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.