LCOW vs SCHD
Pacer S&P 500 Quality FCF Aristocrats ETF vs Schwab US Dividend Equity ETF
Which is better, LCOW or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 48.5%.
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 | LCOW | SCHD |
|---|---|---|
| Expense Ratio | 0.49% | 0.06%Best |
| AUM | $27M | $112.1B |
| Dividend Yield | 0.60% | 3.00% |
| Holdings | 101 | 103 |
| YTD Return | +10.53% | +25.07%Best |
| 1Y Return | +13.27% | +27.61%Best |
| 3Y Return (annualized) | - | +15.74% |
| 5Y Return (annualized) | - | +9.89% |
| Volatility (annualized) | 11.2%Best | 12.3% |
| Max Drawdown | -10.6% | -4.6%Best |
| $10,000 over 1.3 years | $13,098 | $13,771Best |
| Top 10 Weight | 48.5% | 41.8%Best |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | May 6, 2025 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 1.3 years row, are measured over the window both funds cover: May 7, 2025 to Sep 11, 2026 (1.3 years).
LCOW 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 1.3 years both funds cover.
LCOW vs SCHD Performance
Pacer S&P 500 Quality FCF Aristocrats ETF (LCOW) 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 LCOW returned +13.27% while SCHD returned +27.61%. Year to date, LCOW is up 10.53% versus a gain of 25.07% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 12.3% compared with 11.2% for LCOW. 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 -10.6% for LCOW and -4.6% 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 0.31. They move together some of the time, and apart the rest.
Fees and Cost Over Time
LCOW charges 0.49% per year while SCHD charges 0.06%. On a $10,000 position that is $49 vs $6 annually, a gap of $43 per year that compounds over a long holding period. On income, LCOW currently yields 0.60% against 3.00% for SCHD.
Holdings Overlap
8.7% of LCOW's money is in holdings SCHD also owns. 26.4% of SCHD's money is in holdings LCOW also owns.
SCHD and LCOW share little of their money.
10 positions in common, counted across the 100 positions we hold weights for in LCOW and 100 in SCHD, against full books of 101 and 103.
What only one of them owns
Measured across the 100 and 100 positions we hold weights for.
SCHD holds 89 positions LCOW does not, 73.6% of the fund.
Largest: ABT 4.69%, KO 4.17%, CVX 4.02%, VZ 3.97%, COP 3.94%
Top Shared Holdings
| Stock | Weight in LCOW | Weight in SCHD | Difference |
|---|---|---|---|
| MRKMerck & Co. Inc. | 1.50% | 4.77% | 3.27% |
| AMGNAmgen Inc. | 1.34% | 4.70% | 3.36% |
| MOAltria Group Inc. | 1.48% | 2.79% | 1.31% |
| BMYBristol-Myers Squibb Co. | 0.94% | 3.33% | 2.39% |
| ADPAutomatic Data Processing, Inc. | 1.14% | 2.79% | 1.65% |
| QCOMQualcomm Inc. | 1.06% | 2.52% | 1.46% |
| ACNAccenture Plc | 0.51% | 2.84% | 2.33% |
| FASTFastenal Co. | 0.26% | 1.38% | 1.12% |
| PAYXPaychex, Inc. | 0.43% | 1.00% | 0.57% |
| SWKSSkyworks Solutions Inc. | 0.05% | 0.25% | 0.20% |
26.4% of SCHD is already inside LCOW.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, LCOW or SCHD?
LCOW has an expense ratio of 0.49% while SCHD charges 0.06%. SCHD is the cheaper option, by $43 a year on a $10,000 investment.
Which performed better, LCOW or SCHD?
Over the past year LCOW returned +13.27% vs +27.61% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), LCOW annualized +23.07% vs +27.91% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, LCOW or SCHD?
SCHD has been the more volatile fund at 12.3% annualized versus 11.2% for LCOW. Worst drawdown: LCOW -10.6% vs SCHD -4.6%.
Should I hold both LCOW and SCHD?
LCOW and SCHD have a monthly-return correlation of 0.31, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between LCOW and SCHD?
26.4% of SCHD's money is in holdings LCOW also owns. 26.4% of SCHD's is in holdings LCOW also owns. They hold 10 positions in common, counted across the 100 positions we hold weights for in LCOW and 100 in SCHD.
Which pays a higher dividend, LCOW or SCHD?
LCOW yields 0.60% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than LCOW?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 48.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.