PCR vs SCHD
Simplify VettaFi Private Credit Strategy ETF vs Schwab US Dividend Equity ETF
Which is better, PCR or SCHD?
High Yield Bond 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 | PCR | SCHD |
|---|---|---|
| Expense Ratio | 0.76% | 0.06%Best |
| AUM | $2M | $112.1B |
| Dividend Yield | 10.74% | 3.00% |
| Holdings | 270 | 103 |
| YTD Return | -14.12% | +21.33%Best |
| 1Y Return | -18.47% | +25.15%Best |
| 3Y Return (annualized) | - | +15.43% |
| 5Y Return (annualized) | - | +9.32% |
| Volatility (annualized) | 17.3% | 14.6%Best |
| Max Drawdown | -20.1% | -6.0%Best |
| $10,000 over 1 years | $8,079 | $12,518Best |
| Fund Family | Simplify Exchange Traded Funds | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Value |
| Inception | Sep 22, 2025 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1 years row, are measured over the window both funds cover: Sep 23, 2025 to Sep 24, 2026 (1 years).
PCR 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 years both funds cover.
PCR vs SCHD Performance
Simplify VettaFi Private Credit Strategy ETF (PCR) is an ETF from Simplify Exchange Traded Funds and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year PCR returned -18.47% while SCHD returned +25.15%. Year to date, PCR is down 14.12% versus a gain of 21.33% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PCR has been the more volatile fund, with annualized monthly volatility of 17.3% compared with 14.6% 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 -20.1% for PCR and -6.0% 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 0.16. They move largely independently of each other.
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 10.74% against 3.00% for SCHD.
Holdings Overlap
At least 24.0% of SCHD's money is in holdings PCR also owns.
Only one direction is shown: for PCR, our book for it lists positions totalling 156.2% of the fund, which is what a leveraged book looks like and is not a denominator we can divide by.
SCHD and PCR share little of their money.
11 positions in common, counted across the 257 positions we hold weights for in PCR and 100 in SCHD, against full books of 270 and 103.
Top Shared Holdings
| Stock | Weight in PCR | Weight in SCHD | Difference |
|---|---|---|---|
| MRKMerck & Company Inc | 0.39% | 4.77% | 4.38% |
| HDHome Depot Inc/The | 0.31% | 3.88% | 3.57% |
| UNHUnitedhealth Group Incorporated | 0.30% | 3.82% | 3.52% |
| ACNAccenture Plc | 0.45% | 2.84% | 2.39% |
| ADPAutomatic Data Processing, Inc. | 0.39% | 2.79% | 2.40% |
| MOAltria Group Inc | 0.30% | 2.79% | 2.49% |
| FASTFastenal Co. | 0.34% | 1.38% | 1.04% |
| FFord Motor Credit | -0.29% | 1.33% | 1.62% |
| BAHBooz Allen Hamilton Holding Corp. | -0.29% | 0.22% | 0.51% |
| FLOFlowers Foods Inc | -0.14% | 0.04% | 0.18% |
24.0% of SCHD is already inside PCR.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $70 a year on a $10,000 investment.
Which performed better, PCR or SCHD?
Over the past year PCR returned -18.47% vs +25.15% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), PCR annualized -19.21% vs +25.18% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PCR or SCHD?
PCR has been the more volatile fund at 17.3% annualized versus 14.6% for SCHD. Worst drawdown: PCR -20.1% vs SCHD -6.0%.
Should I hold both PCR and SCHD?
PCR and SCHD have a monthly-return correlation of 0.16, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between PCR and SCHD?
At least 24.0% of SCHD's money is in holdings PCR also owns. Our book for PCR is partial, so the real figure is this or higher. They hold 11 positions in common, counted across the 257 positions we hold weights for in PCR and 100 in SCHD.
Which pays a higher dividend, PCR or SCHD?
PCR yields 10.74% while SCHD yields 3.00%, so PCR currently pays the higher dividend yield.
Is SCHD better than PCR?
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.