PCFI vs SCHD
PCFI vs SCHD
Polen Floating Rate Income 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 | PCFI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $8M | $103.7B | |
| Dividend Yield | 9.51% | 3.31% | |
| Holdings | 124 | 104 | |
| YTD Return | +1.09% | +24.26% | |
| 1Y Return | -0.65% | +31.38% | |
| 3Y Return (annualized) | - | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 4.5% | 13.6% | |
| Max Drawdown | -4.0% | -33.4% | |
| Fund Family | Polen Capital | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Mar 24, 2025 | Oct 20, 2011 |
PCFI vs SCHD Performance
Polen Floating Rate Income ETF (PCFI) is a ETF from Polen Capital and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PCFI returned -0.65% while SCHD returned +31.38%. Year to date, PCFI is up 1.09% versus a gain of 24.26% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% 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 -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 0.08. They move independently enough that combining them can meaningfully diversify a portfolio.
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 9.51% against 3.31% for SCHD.
Holdings Overlap
PCFI and SCHD share 0 holdings out of 121 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $43 per year of difference.
Which performed better, PCFI or SCHD?
Over the past year PCFI returned -0.65% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), PCFI annualized +1.98% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, PCFI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.5% for PCFI. Worst drawdown: PCFI -4.0% vs SCHD -33.4%.
Should I hold both PCFI and SCHD?
PCFI and SCHD have a monthly-return correlation of 0.08, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PCFI and SCHD?
PCFI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 121 unique securities.
Which pays a higher dividend, PCFI or SCHD?
PCFI yields 9.51% while SCHD yields 3.31%, so PCFI currently pays the higher dividend yield.
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