SCHD vs TRFK
Schwab US Dividend Equity ETF vs Pacer Data and Digital Revolution ETF
Which is better, SCHD or TRFK?
Large Cap Value against All Cap Blend.
SCHD has a lower expense ratio. TRFK led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 53.0%.
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 | SCHD | TRFK |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.49% |
| AUM | $112.2B | $1.0B |
| Dividend Yield | 3.13% | 0.01% |
| Holdings | 103 | 100 |
| YTD Return | +28.59% | +43.42%Best |
| 1Y Return | +31.77% | +52.62%Best |
| 3Y Return (annualized) | +16.70% | +42.37%Best |
| 5Y Return (annualized) | +10.09% | - |
| Volatility (annualized) | 14.5%Best | 30.1% |
| Max Drawdown | -16.1%Best | -29.1% |
| $10,000 over 4.2 years | $16,066 | $37,448Best |
| Top 10 Weight | 41.5%Best | 53.0% |
| Fund Family | Charles Schwab Asset Management | Pacer ETFs |
| Category | Equity | Equity |
| Style | Large Cap Value | All Cap Blend |
| Inception | Oct 20, 2011 | Jun 8, 2022 |
Volatility and max drawdown, and the $10,000 over 4.2 years row, are measured over the window both funds cover: Jun 9, 2022 to Sep 3, 2026 (4.2 years).
SCHD vs TRFK 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 4.2 years both funds cover.
SCHD vs TRFK Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Pacer Data and Digital Revolution ETF (TRFK) is an ETF from Pacer ETFs. Over the past year SCHD returned +31.77% while TRFK returned +52.62%. Year to date, SCHD is up 28.59% versus a gain of 43.42% for TRFK.
Over three years, SCHD compounded at +16.70% per year against +42.37% for TRFK. Across the full 4-year window we track, TRFK has the edge at +36.94% annualized vs +11.95%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
TRFK has been the more volatile fund, with annualized monthly volatility of 30.1% compared with 14.5% 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 -16.1% for SCHD and -29.1% for TRFK. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.23. They move largely independently of each other.
Fees and Cost Over Time
SCHD charges 0.06% per year while TRFK 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 3.13% against 0.01% for TRFK.
Holdings Overlap
2.5% of SCHD's money is in holdings TRFK also owns. 2.0% of TRFK's money is in holdings SCHD also owns.
SCHD and TRFK share little of their money.
1 positions in common, counted across the 100 positions we hold weights for in SCHD and 95 in TRFK, against full books of 103 and 100.
What only one of them owns
Our book lists 69 positions for TRFK that do not appear in our book for SCHD (82.7% of the fund), and 98 for SCHD that do not appear in TRFK (97.3%).
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 SCHD | Weight in TRFK | Difference |
|---|---|---|---|
| QCOMQualcomm Inc. | 2.55% | 2.00% | 0.55% |
You are not choosing between two funds in isolation.
Whichever of SCHD and TRFK 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, SCHD or TRFK?
SCHD has an expense ratio of 0.06% while TRFK charges 0.49%. SCHD is the cheaper option, by $43 a year on a $10,000 investment.
Which performed better, SCHD or TRFK?
Over the past year SCHD returned +31.77% vs +52.62% for TRFK, so TRFK leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.95% vs +36.94% for TRFK. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TRFK?
TRFK has been the more volatile fund at 30.1% annualized versus 14.5% for SCHD. Worst drawdown: SCHD -16.1% vs TRFK -29.1%.
Should I hold both SCHD and TRFK?
SCHD and TRFK have a monthly-return correlation of 0.23, 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 SCHD and TRFK?
2.5% of SCHD's money is in holdings TRFK also owns. 2.0% of TRFK's is in holdings SCHD also owns. They hold 1 positions in common, counted across the 100 positions we hold weights for in SCHD and 95 in TRFK.
Which pays a higher dividend, SCHD or TRFK?
SCHD yields 3.13% while TRFK yields 0.01%, so SCHD currently pays the higher dividend yield.
Is TRFK better than SCHD?
SCHD has a lower expense ratio. TRFK led over 1Y, 3Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 53.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.