PTLC vs SCHD
Pacer Trendpilot US Large Cap ETF vs Schwab US Dividend Equity ETF
Which is better, PTLC or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. PTLC is less concentrated, with 38.0% of the fund in its ten largest positions against 41.8%.
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 | PTLC | SCHD |
|---|---|---|
| Expense Ratio | 0.60% | 0.06%Best |
| AUM | $3.3B | $112.1B |
| Dividend Yield | 0.99% | 3.00% |
| Holdings | 506 | 103 |
| YTD Return | +6.93% | +25.07%Best |
| 1Y Return | +10.42% | +27.61%Best |
| 3Y Return (annualized) | +13.46% | +15.74%Best |
| 5Y Return (annualized) | +9.60% | +9.89%Best |
| Volatility (annualized) | 11.9%Best | 13.6% |
| Max Drawdown | -26.6%Best | -33.4% |
| $10,000 over 5 years | $15,814 | $16,025Best |
| Top 10 Weight | 38.0%Best | 41.8% |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Jun 11, 2015 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Jun 12, 2015 to Sep 11, 2026 (14.9 years).
PTLC 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 14.9 years both funds cover.
PTLC vs SCHD Performance
Pacer Trendpilot US Large Cap ETF (PTLC) 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 PTLC returned +10.42% while SCHD returned +27.61%. Year to date, PTLC is up 6.93% versus a gain of 25.07% for SCHD.
Over three years, PTLC compounded at +13.46% per year against +15.74% for SCHD; over five years the annualized figures are +9.60% and +9.89% respectively. Across the full 11-year window we track, SCHD has the edge at +11.36% annualized vs +8.98%.
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 11.9% for PTLC. 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 -26.6% for PTLC and -33.4% 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 -0.10. They move largely independently of each other.
Fees and Cost Over Time
PTLC charges 0.60% per year while SCHD charges 0.06%. On a $10,000 position that is $60 vs $6 annually, a gap of $54 per year that compounds over a long holding period. On income, PTLC currently yields 0.99% against 3.00% for SCHD.
Holdings Overlap
7.8% of PTLC's money is in holdings SCHD also owns. 94.9% of SCHD's money is in holdings PTLC also owns.
Most of SCHD is already inside PTLC. Owning both mostly buys the same companies twice.
46 positions in common, counted across the 500 positions we hold weights for in PTLC and 100 in SCHD, against full books of 506 and 103.
What only one of them owns
Our book lists 53 positions for SCHD that do not appear in our book for PTLC (5.1% of the fund), and 446 for PTLC that do not appear in SCHD (91.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in PTLC | Weight in SCHD | Difference |
|---|---|---|---|
| MRKMerck & Co. Inc. | 0.47% | 4.77% | 4.30% |
| AMGNAmgen Inc. | 0.32% | 4.70% | 4.38% |
| ABTAbbott Laboratories | 0.28% | 4.69% | 4.41% |
| KOCoca Cola Co. | 0.51% | 4.17% | 3.66% |
| CVXChevron Corp. | 0.54% | 4.02% | 3.48% |
| HDHome Depot Inc/The | 0.52% | 3.88% | 3.36% |
| UNHUnitedhealth Group Inc. | 0.56% | 3.82% | 3.26% |
| PGProcter & Gamble Company | 0.52% | 3.83% | 3.31% |
| VZVerizon Communications, Inc. | 0.29% | 3.97% | 3.68% |
| COPConocophillips Co | 0.22% | 3.94% | 3.72% |
94.9% of SCHD is already inside PTLC.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, PTLC or SCHD?
PTLC has an expense ratio of 0.60% while SCHD charges 0.06%. SCHD is the cheaper option, by $54 a year on a $10,000 investment.
Which performed better, PTLC or SCHD?
Over the past year PTLC returned +10.42% vs +27.61% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (11 years), PTLC annualized +8.98% vs +11.36% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PTLC or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.9% for PTLC. Worst drawdown: PTLC -26.6% vs SCHD -33.4%.
Should I hold both PTLC and SCHD?
PTLC and SCHD have a monthly-return correlation of -0.10, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between PTLC and SCHD?
94.9% of SCHD's money is in holdings PTLC also owns. 94.9% of SCHD's is in holdings PTLC also owns. They hold 46 positions in common, counted across the 500 positions we hold weights for in PTLC and 100 in SCHD.
Which pays a higher dividend, PTLC or SCHD?
PTLC yields 0.99% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than PTLC?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. PTLC is less concentrated, with 38.0% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.