ACP vs SCHD
ACP vs SCHD
Abrdn Income Credit Strategies Fund vs Schwab US Dividend Equity 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 | ACP | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 2.86% | 0.06% | |
| AUM | $805M | $103.7B | |
| Dividend Yield | 16.88% | 3.31% | |
| Holdings | 214 | 104 | |
| YTD Return | +3.47% | +23.53% | |
| 1Y Return | +0.49% | +30.95% | |
| 3Y Return (annualized) | +7.17% | +14.72% | |
| 5Y Return (annualized) | -0.07% | +9.56% | |
| Volatility (annualized) | 19.6% | 13.6% | |
| Max Drawdown | -70.9% | -33.4% | |
| Fund Family | Aberdeen | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jan 27, 2011 | Oct 20, 2011 |
ACP vs SCHD Performance
Abrdn Income Credit Strategies Fund (ACP) is a ETF from Aberdeen and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year ACP returned +0.49% while SCHD returned +30.95%. Year to date, ACP is up 3.47% versus a gain of 23.53% for SCHD.
Over three years, ACP compounded at +7.17% per year against +14.72% for SCHD; over five years the annualized figures are -0.07% and +9.56% respectively. Across the full 15-year window we track, SCHD has the edge at +11.35% annualized vs -3.28%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
ACP has been the more volatile fund, with annualized monthly volatility of 19.6% 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 -70.9% for ACP 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 0.57. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
ACP charges 2.86% per year while SCHD charges 0.06%. On a $10,000 position that is $286 vs $6 annually, a gap of $280 per year that compounds over a long holding period. On income, ACP currently yields 16.88% against 3.31% for SCHD.
Holdings Overlap
ACP and SCHD share 1 holdings out of 180 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in ACP | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 7.48% | 0.04% | 7.44% |
Frequently Asked Questions
Which is cheaper, ACP or SCHD?
ACP has an expense ratio of 2.86% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $280 per year of difference.
Which performed better, ACP or SCHD?
Over the past year ACP returned +0.49% vs +30.95% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), ACP annualized -3.28% vs +11.35% for SCHD. Past performance does not guarantee future results.
Which is riskier, ACP or SCHD?
ACP has been the more volatile fund at 19.6% annualized versus 13.6% for SCHD. Worst drawdown: ACP -70.9% vs SCHD -33.4%.
Should I hold both ACP and SCHD?
ACP and SCHD have a monthly-return correlation of 0.57, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ACP and SCHD?
ACP and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 180 unique securities.
Which pays a higher dividend, ACP or SCHD?
ACP yields 16.88% while SCHD yields 3.31%, so ACP currently pays the higher dividend yield.
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