PSAI vs SCHD
Pacer S&P 500 3AI Top 100 ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. PSAI offers more diversification with 102 holdings.
Side-by-Side Comparison
| Metric | PSAI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $2M | $103.7B | |
| Dividend Yield | 0.01% | 3.31% | |
| Holdings | 102 | 104 | |
| YTD Return | +11.16% | +25.33% | |
| 1Y Return | - | +32.31% | |
| 3Y Return (annualized) | - | +15.40% | |
| 5Y Return (annualized) | - | +9.70% | |
| Volatility (annualized) | - | 13.6% | |
| Max Drawdown | -6.7% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 7, 2026 | Oct 20, 2011 |
PSAI vs SCHD Performance
Pacer S&P 500 3AI Top 100 ETF (PSAI) is a ETF from Pacer ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Year to date, PSAI is up 11.16% versus a gain of 25.33% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -6.7% for PSAI 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
PSAI 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, PSAI currently yields 0.01% against 3.31% for SCHD.
Holdings Overlap
PSAI and SCHD share 7 holdings out of 195 unique holdings combined, representing a 5.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PSAI or SCHD?
PSAI 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.
What is the holdings overlap between PSAI and SCHD?
PSAI and SCHD share 7 common holdings with a 5.6% weight overlap. Combined, they hold 195 unique securities.
Which pays a higher dividend, PSAI or SCHD?
PSAI yields 0.01% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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