LCOW vs SCHD
Pacer S&P 500 Quality FCF Aristocrats 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 104 holdings.
Side-by-Side Comparison
| Metric | LCOW | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $27M | $108.7B | |
| Dividend Yield | 0.62% | 3.13% | |
| Holdings | 103 | 104 | |
| YTD Return | +11.36% | +28.70% | |
| 1Y Return | +18.64% | +32.27% | |
| 3Y Return (annualized) | - | +17.27% | |
| 5Y Return (annualized) | - | +10.23% | |
| Volatility (annualized) | 11.1% | 13.7% | |
| Max Drawdown | -10.6% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 6, 2025 | Oct 20, 2011 |
LCOW vs SCHD Performance
Pacer S&P 500 Quality FCF Aristocrats ETF (LCOW) 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 LCOW returned +18.64% while SCHD returned +32.27%. Year to date, LCOW is up 11.36% versus a gain of 28.70% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 11.1% 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 -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 0.24. They move independently enough that combining them can meaningfully diversify a portfolio.
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 0.62% against 3.13% for SCHD.
Holdings Overlap
LCOW and SCHD share 10 holdings out of 192 unique holdings combined, representing a 8.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $43 per year of difference.
Which performed better, LCOW or SCHD?
Over the past year LCOW returned +18.64% vs +32.27% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), LCOW annualized +24.94% vs +11.63% for SCHD. Past performance does not guarantee future results.
Which is riskier, LCOW or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 11.1% for LCOW. Worst drawdown: LCOW -10.6% vs SCHD -33.4%.
Should I hold both LCOW and SCHD?
LCOW and SCHD have a monthly-return correlation of 0.24, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LCOW and SCHD?
LCOW and SCHD share 10 common holdings with a 8.8% weight overlap. Combined, they hold 192 unique securities.
Which pays a higher dividend, LCOW or SCHD?
LCOW yields 0.62% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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