APCB vs SCHD
APCB vs SCHD
ActivePassive Core Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. APCB offers more diversification with 826 holdings.
Side-by-Side Comparison
| Metric | APCB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.36% | 0.06% | |
| AUM | $1.0B | $103.7B | |
| Dividend Yield | 4.34% | 3.31% | |
| Holdings | 1,457 | 104 | |
| YTD Return | -0.52% | +23.02% | |
| 1Y Return | +1.64% | +30.75% | |
| 3Y Return (annualized) | +3.48% | +14.89% | |
| 5Y Return (annualized) | - | +9.38% | |
| Volatility (annualized) | 5.1% | 13.6% | |
| Max Drawdown | -6.4% | -33.4% | |
| Fund Family | Envestnet Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | May 3, 2023 | Oct 20, 2011 |
APCB vs SCHD Performance
ActivePassive Core Bond ETF (APCB) is a ETF from Envestnet Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year APCB returned +1.64% while SCHD returned +30.75%. Year to date, APCB is down 0.52% versus a gain of 23.02% for SCHD.
Over three years, APCB compounded at +3.48% per year against +14.89% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.33% annualized vs +2.43%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 5.1% for APCB. 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 -6.4% for APCB 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 0.58. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
APCB charges 0.36% per year while SCHD charges 0.06%. On a $10,000 position that is $36 vs $6 annually, a gap of $30 per year that compounds over a long holding period. On income, APCB currently yields 4.34% against 3.31% for SCHD.
Holdings Overlap
APCB and SCHD share 0 holdings out of 926 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, APCB or SCHD?
APCB has an expense ratio of 0.36% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $30 per year of difference.
Which performed better, APCB or SCHD?
Over the past year APCB returned +1.64% vs +30.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), APCB annualized +2.43% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, APCB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 5.1% for APCB. Worst drawdown: APCB -6.4% vs SCHD -33.4%.
Should I hold both APCB and SCHD?
APCB and SCHD have a monthly-return correlation of 0.58, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between APCB and SCHD?
APCB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 926 unique securities.
Which pays a higher dividend, APCB or SCHD?
APCB yields 4.34% while SCHD yields 3.31%, so APCB currently pays the higher dividend yield.
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