PTL vs SCHD
Inspire 500 ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. PTL offers more diversification with 471 holdings.
Side-by-Side Comparison
| Metric | PTL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.06% | |
| AUM | $889M | $112.2B | |
| Dividend Yield | 1.16% | 3.13% | |
| Holdings | 471 | 103 | |
| YTD Return | +12.64% | +28.33% | |
| 1Y Return | +17.81% | +30.37% | |
| 3Y Return (annualized) | - | +16.64% | |
| 5Y Return (annualized) | - | +10.04% | |
| Volatility (annualized) | 13.2% | 13.6% | |
| Max Drawdown | -19.7% | -33.4% | |
| Fund Family | Inspire ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Mar 25, 2024 | Oct 20, 2011 |
PTL vs SCHD Performance
Inspire 500 ETF (PTL) is a ETF from Inspire ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PTL returned +17.81% while SCHD returned +30.37%. Year to date, PTL is up 12.64% versus a gain of 28.33% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.2% for PTL. 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 -19.7% for PTL 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 0.51. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PTL charges 0.09% per year while SCHD charges 0.06%. On a $10,000 position that is $9 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, PTL currently yields 1.16% against 3.13% for SCHD.
Holdings Overlap
PTL and SCHD share 23 holdings out of 535 unique holdings combined, representing a 7.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PTL or SCHD?
PTL has an expense ratio of 0.09% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, PTL or SCHD?
Over the past year PTL returned +17.81% vs +30.37% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), PTL annualized +16.16% vs +11.58% for SCHD. Past performance does not guarantee future results.
Which is riskier, PTL or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.2% for PTL. Worst drawdown: PTL -19.7% vs SCHD -33.4%.
Should I hold both PTL and SCHD?
PTL and SCHD have a monthly-return correlation of 0.51, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PTL and SCHD?
PTL and SCHD share 23 common holdings with a 7.0% weight overlap. Combined, they hold 535 unique securities.
Which pays a higher dividend, PTL or SCHD?
PTL yields 1.16% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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