PCI vs SCHD
PGIM Corporate Bond 5-10 Year ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. PCI offers more diversification with 165 holdings.
Side-by-Side Comparison
| Metric | PCI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $530M | $103.7B | |
| Dividend Yield | 4.98% | 3.31% | |
| Holdings | 269 | 104 | |
| YTD Return | -2.96% | +25.62% | |
| 1Y Return | -0.57% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 3.9% | 13.6% | |
| Max Drawdown | -4.5% | -33.4% | |
| Fund Family | PGIM Investments | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jul 29, 2025 | Oct 20, 2011 |
PCI vs SCHD Performance
PGIM Corporate Bond 5-10 Year ETF (PCI) is a ETF from PGIM Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PCI returned -0.57% while SCHD returned +32.62%. Year to date, PCI is down 2.96% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 3.9% for PCI. 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 -4.5% for PCI 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 0.19. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PCI charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, PCI currently yields 4.98% against 3.31% for SCHD.
Holdings Overlap
PCI and SCHD share 0 holdings out of 265 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, PCI or SCHD?
PCI has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, PCI or SCHD?
Over the past year PCI returned -0.57% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), PCI annualized -0.67% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, PCI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 3.9% for PCI. Worst drawdown: PCI -4.5% vs SCHD -33.4%.
Should I hold both PCI and SCHD?
PCI and SCHD have a monthly-return correlation of 0.19, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PCI and SCHD?
PCI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 265 unique securities.
Which pays a higher dividend, PCI or SCHD?
PCI yields 4.98% while SCHD yields 3.31%, so PCI currently pays the higher dividend yield.
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