PTMC vs SCHD
Pacer Trendpilot US Mid Cap ETF vs Schwab US Dividend Equity ETF
Which is better, PTMC or SCHD?
Mid Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. PTMC is less concentrated, with 7.8% 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 | PTMC | SCHD |
|---|---|---|
| Expense Ratio | 0.60% | 0.06%Best |
| AUM | $384M | $112.1B |
| Dividend Yield | 1.61% | 3.00% |
| Holdings | 402 | 103 |
| YTD Return | +9.91% | +24.23%Best |
| 1Y Return | +11.30% | +27.90%Best |
| 3Y Return (annualized) | +8.30% | +15.55%Best |
| 5Y Return (annualized) | +3.16% | +9.97%Best |
| Volatility (annualized) | 12.2%Best | 14.9% |
| Max Drawdown | -20.5%Best | -33.4% |
| $10,000 over 5 years | $11,683 | $16,083Best |
| Top 10 Weight | 7.8%Best | 41.8% |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Mid 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 17, 2026 (11.3 years).
PTMC 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 11.3 years both funds cover.
PTMC vs SCHD Performance
Pacer Trendpilot US Mid Cap ETF (PTMC) 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 PTMC returned +11.30% while SCHD returned +27.90%. Year to date, PTMC is up 9.91% versus a gain of 24.23% for SCHD.
Over three years, PTMC compounded at +8.30% per year against +15.55% for SCHD; over five years the annualized figures are +3.16% and +9.97% respectively. Across the full 11-year window we track, SCHD has the edge at +10.68% annualized vs +4.98%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.9% compared with 12.2% for PTMC. 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 -20.5% for PTMC 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 0.58. They move together some of the time, and apart the rest.
Fees and Cost Over Time
PTMC 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, PTMC currently yields 1.61% against 3.00% for SCHD.
Holdings Overlap
4.0% of PTMC's money is in holdings SCHD also owns. 3.5% of SCHD's money is in holdings PTMC also owns.
PTMC and SCHD share little of their money.
18 positions in common, counted across the 398 positions we hold weights for in PTMC and 100 in SCHD, against full books of 402 and 103.
What only one of them owns
Our book lists 81 positions for SCHD that do not appear in our book for PTMC (96.5% of the fund), and 373 for PTMC that do not appear in SCHD (92.1%).
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 PTMC | Weight in SCHD | Difference |
|---|---|---|---|
| EWBCEast West Bancorp, Inc. | 0.49% | 0.42% | 0.07% |
| DINOHF Sinclair Corp | 0.44% | 0.38% | 0.06% |
| FNFFidelity Nationa | 0.33% | 0.29% | 0.04% |
| WSOWatsco Inc | 0.31% | 0.26% | 0.05% |
| AFGAmerican Financial Group Inc/Oh | 0.28% | 0.24% | 0.04% |
| ORIOld Republic International Corp | 0.26% | 0.23% | 0.03% |
| BAHBooz Allen Hamilton Holding Corp. | 0.26% | 0.22% | 0.04% |
| COLBColumbia Banking System Inc Common Stock | 0.24% | 0.21% | 0.03% |
| ALVAllianz Ag | 0.24% | 0.20% | 0.04% |
| MMacy'S Inc. | 0.16% | 0.14% | 0.02% |
You are not choosing between two funds in isolation.
Whichever of PTMC 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, PTMC or SCHD?
PTMC 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, PTMC or SCHD?
Over the past year PTMC returned +11.30% vs +27.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (11 years), PTMC annualized +4.98% vs +10.68% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PTMC or SCHD?
SCHD has been the more volatile fund at 14.9% annualized versus 12.2% for PTMC. Worst drawdown: PTMC -20.5% vs SCHD -33.4%.
Should I hold both PTMC and SCHD?
PTMC and SCHD have a monthly-return correlation of 0.58, 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 PTMC and SCHD?
4.0% of PTMC's money is in holdings SCHD also owns. 3.5% of SCHD's is in holdings PTMC also owns. They hold 18 positions in common, counted across the 398 positions we hold weights for in PTMC and 100 in SCHD.
Which pays a higher dividend, PTMC or SCHD?
PTMC yields 1.61% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than PTMC?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. PTMC is less concentrated, with 7.8% 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.