PLTY vs SCHD
YieldMax PLTR Option Income Strategy 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 104 holdings.
Side-by-Side Comparison
| Metric | PLTY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.07% | 0.06% | |
| AUM | $389M | $108.7B | |
| Dividend Yield | 123.43% | 3.13% | |
| Holdings | 29 | 104 | |
| YTD Return | +12.17% | +27.67% | |
| 1Y Return | +17.40% | +29.56% | |
| 3Y Return (annualized) | - | +16.53% | |
| 5Y Return (annualized) | - | +9.95% | |
| Volatility (annualized) | 52.9% | 13.6% | |
| Max Drawdown | -41.4% | -33.4% | |
| Fund Family | YieldMax ETF | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Oct 7, 2024 | Oct 20, 2011 |
PLTY vs SCHD Performance
YieldMax PLTR Option Income Strategy ETF (PLTY) is a ETF from YieldMax ETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PLTY returned +17.40% while SCHD returned +29.56%. Year to date, PLTY is up 12.17% versus a gain of 27.67% for SCHD.
Risk: Volatility and Drawdowns
PLTY has been the more volatile fund, with annualized monthly volatility of 52.9% compared with 13.6% 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 -41.4% for PLTY 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 -0.20. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PLTY charges 1.07% per year while SCHD charges 0.06%. On a $10,000 position that is $107 vs $6 annually, a gap of $101 per year that compounds over a long holding period. On income, PLTY currently yields 123.43% against 3.13% for SCHD.
Holdings Overlap
PLTY and SCHD share 0 holdings out of 102 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, PLTY or SCHD?
PLTY has an expense ratio of 1.07% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $101 per year of difference.
Which performed better, PLTY or SCHD?
Over the past year PLTY returned +17.40% vs +29.56% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), PLTY annualized +74.49% vs +11.55% for SCHD. Past performance does not guarantee future results.
Which is riskier, PLTY or SCHD?
PLTY has been the more volatile fund at 52.9% annualized versus 13.6% for SCHD. Worst drawdown: PLTY -41.4% vs SCHD -33.4%.
Should I hold both PLTY and SCHD?
PLTY and SCHD have a monthly-return correlation of -0.20, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PLTY and SCHD?
PLTY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, PLTY or SCHD?
PLTY yields 123.43% while SCHD yields 3.13%, so PLTY currently pays the higher dividend yield.
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