PSFF vs SCHD
PSFF vs SCHD
Pacer Swan SOS Fund of Funds 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 | PSFF | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.66% | 0.06% | |
| AUM | $588M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 14 | 104 | |
| YTD Return | +7.82% | +24.26% | |
| 1Y Return | +12.01% | +31.38% | |
| 3Y Return (annualized) | +12.36% | +15.08% | |
| 5Y Return (annualized) | +9.49% | +9.72% | |
| Volatility (annualized) | 7.3% | 13.6% | |
| Max Drawdown | -10.8% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 29, 2020 | Oct 20, 2011 |
PSFF vs SCHD Performance
Pacer Swan SOS Fund of Funds ETF (PSFF) 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 PSFF returned +12.01% while SCHD returned +31.38%. Year to date, PSFF is up 7.82% versus a gain of 24.26% for SCHD.
Over three years, PSFF compounded at +12.36% per year against +15.08% for SCHD; over five years the annualized figures are +9.49% and +9.72% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +10.14%. 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 7.3% 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 -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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
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 3.31% for SCHD.
Holdings Overlap
PSFF and SCHD share 0 holdings out of 113 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, PSFF or SCHD?
PSFF has an expense ratio of 0.66% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $60 per year of difference.
Which performed better, PSFF or SCHD?
Over the past year PSFF returned +12.01% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), PSFF annualized +10.14% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, PSFF or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.3% for PSFF. Worst drawdown: PSFF -10.8% vs SCHD -33.4%.
Should I hold both PSFF and SCHD?
PSFF and SCHD have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PSFF and SCHD?
PSFF and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 113 unique securities.
Which pays a higher dividend, PSFF or SCHD?
PSFF yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.