SCHD vs SRVR
SCHD vs SRVR
Schwab US Dividend Equity ETF vs Pacer Data & Infrastructure Real Estate ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | SRVR | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.49% | |
| AUM | $103.7B | $376M | |
| Dividend Yield | 3.31% | 2.74% | |
| Holdings | 104 | 71 | |
| YTD Return | +24.26% | +10.58% | |
| 1Y Return | +31.38% | +3.26% | |
| 3Y Return (annualized) | +15.08% | +5.88% | |
| 5Y Return (annualized) | +9.72% | -2.70% | |
| Volatility (annualized) | 13.6% | 18.9% | |
| Max Drawdown | -33.4% | -41.0% | |
| Fund Family | Charles Schwab Asset Management | Pacer ETFs | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | May 15, 2018 |
SCHD vs SRVR Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Pacer Data & Infrastructure Real Estate ETF (SRVR) is a ETF from Pacer ETFs. Over the past year SCHD returned +31.38% while SRVR returned +3.26%. Year to date, SCHD is up 24.26% versus a gain of 10.58% for SRVR.
Over three years, SCHD compounded at +15.08% per year against +5.88% for SRVR; over five years the annualized figures are +9.72% and -2.70% respectively. Across the full 8-year window we track, SCHD has the edge at +11.39% annualized vs +4.69%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SRVR has been the more volatile fund, with annualized monthly volatility of 18.9% 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 -33.4% for SCHD and -41.0% for SRVR. 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 0.59. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while SRVR charges 0.49%. On a $10,000 position that is $6 vs $49 annually, a gap of $43 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 2.74% for SRVR.
Holdings Overlap
SCHD and SRVR share 0 holdings out of 166 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or SRVR?
SCHD has an expense ratio of 0.06% while SRVR charges 0.49%. SCHD is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, SCHD or SRVR?
Over the past year SCHD returned +31.38% vs +3.26% for SRVR, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), SCHD annualized +11.39% vs +4.69% for SRVR. Past performance does not guarantee future results.
Which is riskier, SCHD or SRVR?
SRVR has been the more volatile fund at 18.9% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs SRVR -41.0%.
Should I hold both SCHD and SRVR?
SCHD and SRVR have a monthly-return correlation of 0.59, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and SRVR?
SCHD and SRVR share 0 common holdings with a 0.0% weight overlap. Combined, they hold 166 unique securities.
Which pays a higher dividend, SCHD or SRVR?
SCHD yields 3.31% while SRVR yields 2.74%, so SCHD currently pays the higher dividend yield.
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