QQWZ vs SCHD
Pacer Cash COWZ 100-Nasdaq 100 Rotator ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. QQWZ offers more diversification with 105 holdings.
Side-by-Side Comparison
| Metric | QQWZ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $41M | $108.7B | |
| Dividend Yield | 0.59% | 3.13% | |
| Holdings | 105 | 104 | |
| YTD Return | +15.60% | +27.67% | |
| 1Y Return | +26.26% | +31.26% | |
| 3Y Return (annualized) | - | +16.66% | |
| 5Y Return (annualized) | - | +10.18% | |
| Volatility (annualized) | 15.3% | 13.6% | |
| Max Drawdown | -11.3% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 6, 2025 | Oct 20, 2011 |
QQWZ vs SCHD Performance
Pacer Cash COWZ 100-Nasdaq 100 Rotator ETF (QQWZ) 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 QQWZ returned +26.26% while SCHD returned +31.26%. Year to date, QQWZ is up 15.60% versus a gain of 27.67% for SCHD.
Risk: Volatility and Drawdowns
QQWZ has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -11.3% for QQWZ 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 0.02. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
QQWZ 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, QQWZ currently yields 0.59% against 3.13% for SCHD.
Holdings Overlap
QQWZ and SCHD share 8 holdings out of 195 unique holdings combined, representing a 5.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, QQWZ or SCHD?
QQWZ 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, QQWZ or SCHD?
Over the past year QQWZ returned +26.26% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), QQWZ annualized +35.49% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, QQWZ or SCHD?
QQWZ has been the more volatile fund at 15.3% annualized versus 13.6% for SCHD. Worst drawdown: QQWZ -11.3% vs SCHD -33.4%.
Should I hold both QQWZ and SCHD?
QQWZ and SCHD have a monthly-return correlation of 0.02, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between QQWZ and SCHD?
QQWZ and SCHD share 8 common holdings with a 5.0% weight overlap. Combined, they hold 195 unique securities.
Which pays a higher dividend, QQWZ or SCHD?
QQWZ yields 0.59% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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