PSCX vs SCHD
Pacer Swan SOS Conservative (January) ETF vs Schwab US Dividend Equity ETF
Which is better, PSCX or SCHD?
Debt-oriented balanced against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y 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 | PSCX | SCHD |
|---|---|---|
| Expense Ratio | 0.49% | 0.06%Best |
| AUM | $47M | $112.1B |
| Dividend Yield | 0.00% | 3.00% |
| Holdings | 6 | 103 |
| YTD Return | +7.71% | +23.46%Best |
| 1Y Return | +11.18% | +27.20%Best |
| 3Y Return (annualized) | +12.55% | +15.41%Best |
| 5Y Return (annualized) | +8.77% | +10.16%Best |
| Volatility (annualized) | 6.3%Best | 14.7% |
| Max Drawdown | -10.2%Best | -16.9% |
| $10,000 over 5 years | $15,225 | $16,223Best |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Debt-oriented balanced | Large Cap Value |
| Inception | Dec 22, 2020 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Dec 23, 2020 to Sep 18, 2026 (5.7 years).
PSCX 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 5.7 years both funds cover.
PSCX vs SCHD Performance
Pacer Swan SOS Conservative (January) ETF (PSCX) is an ETF from Pacer ETFs and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year PSCX returned +11.18% while SCHD returned +27.20%. Year to date, PSCX is up 7.71% versus a gain of 23.46% for SCHD.
Over three years, PSCX compounded at +12.55% per year against +15.41% for SCHD; over five years the annualized figures are +8.77% and +10.16% respectively. Across the full 6-year window we track, SCHD has the edge at +12.07% annualized vs +8.81%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.7% compared with 6.3% for PSCX. 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 -10.2% for PSCX and -16.9% 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 0.58. They move together some of the time, and apart the rest.
Fees and Cost Over Time
PSCX 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, PSCX currently yields 0.00% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 1 holding in PSCX and 100 in SCHD, totalling 0.3% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 1 positions we hold weights for in PSCX and 100 in SCHD, against full books of 6 and 103.
You are not choosing between two funds in isolation.
Whichever of PSCX and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, PSCX or SCHD?
PSCX has an expense ratio of 0.49% while SCHD charges 0.06%. SCHD is the cheaper option, by $43 a year on a $10,000 investment.
Which performed better, PSCX or SCHD?
Over the past year PSCX returned +11.18% vs +27.20% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), PSCX annualized +8.81% vs +12.07% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PSCX or SCHD?
SCHD has been the more volatile fund at 14.7% annualized versus 6.3% for PSCX. Worst drawdown: PSCX -10.2% vs SCHD -16.9%.
Should I hold both PSCX and SCHD?
PSCX and SCHD have a monthly-return correlation of 0.58, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, PSCX or SCHD?
PSCX yields 0.00% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than PSCX?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.