PTNQ vs SCHD
Pacer Trendpilot 100 ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns.
Side-by-Side Comparison
| Metric | PTNQ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.06% | |
| AUM | $1.3B | $108.7B | |
| Dividend Yield | 0.84% | 3.13% | |
| Holdings | 104 | 104 | |
| YTD Return | +9.14% | +27.67% | |
| 1Y Return | +18.30% | +31.26% | |
| 3Y Return (annualized) | +13.15% | +16.66% | |
| 5Y Return (annualized) | +9.72% | +10.18% | |
| Volatility (annualized) | 14.4% | 13.6% | |
| Max Drawdown | -28.1% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 11, 2015 | Oct 20, 2011 |
PTNQ vs SCHD Performance
Pacer Trendpilot 100 ETF (PTNQ) 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 PTNQ returned +18.30% while SCHD returned +31.26%. Year to date, PTNQ is up 9.14% versus a gain of 27.67% for SCHD.
Over three years, PTNQ compounded at +13.15% per year against +16.66% for SCHD; over five years the annualized figures are +9.72% and +10.18% respectively. Across the full 11-year window we track, PTNQ has the edge at +12.40% annualized vs +11.57%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PTNQ has been the more volatile fund, with annualized monthly volatility of 14.4% compared with 13.6% for SCHD. 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 -28.1% for PTNQ 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 0.54. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PTNQ charges 0.65% per year while SCHD charges 0.06%. On a $10,000 position that is $65 vs $6 annually, a gap of $59 per year that compounds over a long holding period. On income, PTNQ currently yields 0.84% against 3.13% for SCHD.
Holdings Overlap
PTNQ and SCHD share 8 holdings out of 194 unique holdings combined, representing a 4.9% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PTNQ or SCHD?
PTNQ has an expense ratio of 0.65% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $59 per year of difference.
Which performed better, PTNQ or SCHD?
Over the past year PTNQ returned +18.30% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (11 years), PTNQ annualized +12.40% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, PTNQ or SCHD?
PTNQ has been the more volatile fund at 14.4% annualized versus 13.6% for SCHD. Worst drawdown: PTNQ -28.1% vs SCHD -33.4%.
Should I hold both PTNQ and SCHD?
PTNQ and SCHD have a monthly-return correlation of 0.54, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PTNQ and SCHD?
PTNQ and SCHD share 8 common holdings with a 4.9% weight overlap. Combined, they hold 194 unique securities.
Which pays a higher dividend, PTNQ or SCHD?
PTNQ yields 0.84% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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