PAMC vs SCHD
Pacer Lunt MidCap Multi-Factor Alternator 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 100 holdings.
Side-by-Side Comparison
| Metric | PAMC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.60% | 0.06% | |
| AUM | $55M | $103.7B | |
| Dividend Yield | 1.09% | 3.31% | |
| Holdings | 153 | 104 | |
| YTD Return | +15.36% | +25.58% | |
| 1Y Return | +24.17% | +31.06% | |
| 3Y Return (annualized) | +16.42% | +15.55% | |
| 5Y Return (annualized) | +9.87% | +9.61% | |
| Volatility (annualized) | 18.3% | 13.6% | |
| Max Drawdown | -27.0% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 24, 2020 | Oct 20, 2011 |
PAMC vs SCHD Performance
Pacer Lunt MidCap Multi-Factor Alternator ETF (PAMC) 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 PAMC returned +24.17% while SCHD returned +31.06%. Year to date, PAMC is up 15.36% versus a gain of 25.58% for SCHD.
Over three years, PAMC compounded at +16.42% per year against +15.55% for SCHD; over five years the annualized figures are +9.87% and +9.61% respectively. Across the full 6-year window we track, PAMC has the edge at +15.27% annualized vs +11.46%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PAMC has been the more volatile fund, with annualized monthly volatility of 18.3% compared with 13.6% 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 -27.0% for PAMC 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
PAMC 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, PAMC currently yields 1.09% against 3.31% for SCHD.
Holdings Overlap
PAMC and SCHD share 1 holdings out of 117 unique holdings combined, representing a 0.2% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in PAMC | Weight in SCHD | Difference |
|---|---|---|---|
| ALV | 0.29% | 0.21% | 0.08% |
Frequently Asked Questions
Which is cheaper, PAMC or SCHD?
PAMC has an expense ratio of 0.60% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $54 per year of difference.
Which performed better, PAMC or SCHD?
Over the past year PAMC returned +24.17% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), PAMC annualized +15.27% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, PAMC or SCHD?
PAMC has been the more volatile fund at 18.3% annualized versus 13.6% for SCHD. Worst drawdown: PAMC -27.0% vs SCHD -33.4%.
Should I hold both PAMC and SCHD?
PAMC and SCHD have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PAMC and SCHD?
PAMC and SCHD share 1 common holdings with a 0.2% weight overlap. Combined, they hold 117 unique securities.
Which pays a higher dividend, PAMC or SCHD?
PAMC yields 1.09% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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