PSFF vs SCHD
Pacer Swan SOS Fund of Funds ETF vs Schwab US Dividend Equity ETF
Which is better, PSFF or SCHD?
All Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 92.3%.
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 | PSFF | SCHD |
|---|---|---|
| Expense Ratio | 0.66% | 0.06%Best |
| AUM | $603M | $112.1B |
| Dividend Yield | 0.00% | 3.00% |
| Holdings | 14 | 103 |
| YTD Return | +8.28% | +24.23%Best |
| 1Y Return | +11.45% | +27.90%Best |
| 3Y Return (annualized) | +12.58% | +15.55%Best |
| 5Y Return (annualized) | +9.61% | +9.97%Best |
| Volatility (annualized) | 7.2%Best | 14.6% |
| Max Drawdown | -10.8%Best | -16.9% |
| $10,000 over 5 years | $15,822 | $16,083Best |
| Top 10 Weight | 92.3% | 41.8%Best |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | All Cap Blend | Large Cap Value |
| Inception | Dec 29, 2020 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Dec 30, 2020 to Sep 17, 2026 (5.7 years).
PSFF 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.
PSFF vs SCHD Performance
Pacer Swan SOS Fund of Funds ETF (PSFF) 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 PSFF returned +11.45% while SCHD returned +27.90%. Year to date, PSFF is up 8.28% versus a gain of 24.23% for SCHD.
Over three years, PSFF compounded at +12.58% per year against +15.55% for SCHD; over five years the annualized figures are +9.61% and +9.97% respectively. Across the full 6-year window we track, SCHD has the edge at +12.23% annualized vs +10.01%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 7.2% for PSFF. 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 -10.8% for PSFF 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 0.68. They move together some of the time, and apart the rest.
Fees and Cost Over Time
PSFF charges 0.66% per year while SCHD charges 0.06%. On a $10,000 position that is $66 vs $6 annually, a gap of $60 per year that compounds over a long holding period. On income, PSFF currently yields 0.00% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 13 holdings in PSFF and 100 in SCHD, totalling 100.0% 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 13 positions we hold weights for in PSFF and 100 in SCHD, against full books of 14 and 103.
What only one of them owns
Measured across the 13 and 100 positions we hold weights for.
SCHD holds 99 positions PSFF does not, 99.9% of the fund.
Largest: MRK 4.77%, AMGN 4.70%, ABT 4.69%, KO 4.17%, CVX 4.02%
You are not choosing between two funds in isolation.
Whichever of PSFF 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, PSFF or SCHD?
PSFF has an expense ratio of 0.66% while SCHD charges 0.06%. SCHD is the cheaper option, by $60 a year on a $10,000 investment.
Which performed better, PSFF or SCHD?
Over the past year PSFF returned +11.45% vs +27.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), PSFF annualized +10.01% vs +12.23% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PSFF or SCHD?
SCHD has been the more volatile fund at 14.6% annualized versus 7.2% for PSFF. Worst drawdown: PSFF -10.8% vs SCHD -16.9%.
Should I hold both PSFF and SCHD?
PSFF and SCHD have a monthly-return correlation of 0.68, 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, PSFF or SCHD?
PSFF yields 0.00% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than PSFF?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 92.3%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.