PCR vs SCHD
Simplify VettaFi Private Credit Strategy ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. PCR offers more diversification with 193 holdings.
Side-by-Side Comparison
| Metric | PCR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.76% | 0.06% | |
| AUM | $2M | $103.7B | |
| Dividend Yield | 8.86% | 3.31% | |
| Holdings | 256 | 104 | |
| YTD Return | -7.43% | +25.58% | |
| 1Y Return | -12.95% | +31.06% | |
| 3Y Return (annualized) | - | +15.55% | |
| 5Y Return (annualized) | - | +9.61% | |
| Volatility (annualized) | - | 13.6% | |
| Max Drawdown | -20.1% | -33.4% | |
| Fund Family | Simplify Exchange Traded Funds | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 22, 2025 | Oct 20, 2011 |
PCR vs SCHD Performance
Simplify VettaFi Private Credit Strategy ETF (PCR) is a ETF from Simplify Exchange Traded Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PCR returned -12.95% while SCHD returned +31.06%. Year to date, PCR is down 7.43% versus a gain of 25.58% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -20.1% for PCR and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
PCR charges 0.76% per year while SCHD charges 0.06%. On a $10,000 position that is $76 vs $6 annually, a gap of $70 per year that compounds over a long holding period. On income, PCR currently yields 8.86% against 3.31% for SCHD.
Holdings Overlap
PCR and SCHD share 6 holdings out of 287 unique holdings combined, representing a 1.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PCR or SCHD?
PCR has an expense ratio of 0.76% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $70 per year of difference.
Which performed better, PCR or SCHD?
Over the past year PCR returned -12.95% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between PCR and SCHD?
PCR and SCHD share 6 common holdings with a 1.0% weight overlap. Combined, they hold 287 unique securities.
Which pays a higher dividend, PCR or SCHD?
PCR yields 8.86% while SCHD yields 3.31%, so PCR currently pays the higher dividend yield.
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