PCFI vs SCHD
Polen Floating Rate Income ETF vs Schwab US Dividend Equity ETF
Which is better, PCFI or SCHD?
Bank Loan against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y 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 | PCFI | SCHD |
|---|---|---|
| Expense Ratio | 0.49% | 0.06%Best |
| AUM | $8M | $112.1B |
| Dividend Yield | 10.29% | 3.00% |
| Holdings | 124 | 103 |
| YTD Return | +2.94% | +23.60%Best |
| 1Y Return | +2.52% | +28.29%Best |
| 3Y Return (annualized) | - | +16.25% |
| 5Y Return (annualized) | - | +10.25% |
| Volatility (annualized) | 4.5%Best | 14.2% |
| Max Drawdown | -4.0%Best | -13.0% |
| $10,000 over 1.5 years | $10,462 | $12,691Best |
| Fund Family | Polen Capital | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | Bank Loan | Large Cap Value |
| Inception | Mar 24, 2025 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.5 years row, are measured over the window both funds cover: Mar 24, 2025 to Sep 21, 2026 (1.5 years).
PCFI 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 1.5 years both funds cover.
PCFI vs SCHD Performance
Polen Floating Rate Income ETF (PCFI) is an ETF from Polen Capital and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year PCFI returned +2.52% while SCHD returned +28.29%. Year to date, PCFI is up 2.94% versus a gain of 23.60% 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 14.2% compared with 4.5% for PCFI. 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 -4.0% for PCFI and -13.0% 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 0.05. They move largely independently of each other.
Fees and Cost Over Time
PCFI 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, PCFI currently yields 10.29% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 32 holdings in PCFI and 100 in SCHD, totalling 24.6% 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 32 positions we hold weights for in PCFI and 100 in SCHD, against full books of 124 and 103.
You are not choosing between two funds in isolation.
Whichever of PCFI 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, PCFI or SCHD?
PCFI 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, PCFI or SCHD?
Over the past year PCFI returned +2.52% vs +28.29% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), PCFI annualized +3.06% vs +17.22% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PCFI or SCHD?
SCHD has been the more volatile fund at 14.2% annualized versus 4.5% for PCFI. Worst drawdown: PCFI -4.0% vs SCHD -13.0%.
Should I hold both PCFI and SCHD?
PCFI and SCHD have a monthly-return correlation of 0.05, 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, PCFI or SCHD?
PCFI yields 10.29% while SCHD yields 3.00%, so PCFI currently pays the higher dividend yield.
Is SCHD better than PCFI?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.