PSCW vs SCHD
PSCW vs SCHD
Pacer Swan SOS Conservative (April) 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 100 holdings.
Side-by-Side Comparison
| Metric | PSCW | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $60M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 6 | 104 | |
| YTD Return | +9.06% | +24.26% | |
| 1Y Return | +13.43% | +31.38% | |
| 3Y Return (annualized) | +11.34% | +15.08% | |
| 5Y Return (annualized) | +7.20% | +9.72% | |
| Volatility (annualized) | 6.9% | 13.6% | |
| Max Drawdown | -11.9% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Mar 31, 2021 | Oct 20, 2011 |
PSCW vs SCHD Performance
Pacer Swan SOS Conservative (April) ETF (PSCW) is a ETF from Pacer ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PSCW returned +13.43% while SCHD returned +31.38%. Year to date, PSCW is up 9.06% versus a gain of 24.26% for SCHD.
Over three years, PSCW compounded at +11.34% per year against +15.08% for SCHD; over five years the annualized figures are +7.20% and +9.72% respectively. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +7.47%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 6.9% for PSCW. 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 -11.9% for PSCW 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PSCW 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, PSCW currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
PSCW and SCHD share 0 holdings out of 101 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, PSCW or SCHD?
PSCW 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.
Which performed better, PSCW or SCHD?
Over the past year PSCW returned +13.43% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), PSCW annualized +7.47% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, PSCW or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 6.9% for PSCW. Worst drawdown: PSCW -11.9% vs SCHD -33.4%.
Should I hold both PSCW and SCHD?
PSCW and SCHD have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PSCW and SCHD?
PSCW and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, PSCW or SCHD?
PSCW yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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