PSMO vs SCHD
PSMO vs SCHD
Pacer Swan SOS Moderate October 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 | PSMO | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $99M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 6 | 104 | |
| YTD Return | +7.61% | +24.26% | |
| 1Y Return | +12.82% | +31.38% | |
| 3Y Return (annualized) | +12.17% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 6.8% | 13.6% | |
| Max Drawdown | -9.8% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Sep 30, 2021 | Oct 20, 2011 |
PSMO vs SCHD Performance
Pacer Swan SOS Moderate October ETF (PSMO) 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 PSMO returned +12.82% while SCHD returned +31.38%. Year to date, PSMO is up 7.61% versus a gain of 24.26% for SCHD.
Over three years, PSMO compounded at +12.17% per year against +15.08% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.39% annualized vs +10.27%. 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 6.8% for PSMO. 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 -9.8% for PSMO 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 0.65. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PSMO 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, PSMO currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
PSMO 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, PSMO or SCHD?
PSMO 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, PSMO or SCHD?
Over the past year PSMO returned +12.82% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), PSMO annualized +10.27% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, PSMO or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 6.8% for PSMO. Worst drawdown: PSMO -9.8% vs SCHD -33.4%.
Should I hold both PSMO and SCHD?
PSMO and SCHD have a monthly-return correlation of 0.65, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PSMO and SCHD?
PSMO and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, PSMO or SCHD?
PSMO yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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