ISD vs SCHD
ISD vs SCHD
PGIM High Yield Bond Fund, Inc vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD delivered stronger 1-year returns. ISD offers more diversification with 609 holdings.
Side-by-Side Comparison
| Metric | ISD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | - | 0.06% | |
| AUM | $468M | $103.7B | |
| Dividend Yield | 9.19% | 3.31% | |
| Holdings | 780 | 104 | |
| YTD Return | -8.93% | +24.08% | |
| 1Y Return | -4.35% | +31.88% | |
| 3Y Return (annualized) | +10.59% | +14.92% | |
| 5Y Return (annualized) | +4.25% | +9.85% | |
| Volatility (annualized) | 12.2% | 13.6% | |
| Max Drawdown | -54.3% | -33.4% | |
| Fund Family | PGIM Investments | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Apr 26, 2012 | Oct 20, 2011 |
ISD vs SCHD Performance
PGIM High Yield Bond Fund, Inc (ISD) is a ETF from PGIM Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year ISD returned -4.35% while SCHD returned +31.88%. Year to date, ISD is down 8.93% versus a gain of 24.08% for SCHD.
Over three years, ISD compounded at +10.59% per year against +14.92% for SCHD; over five years the annualized figures are +4.25% and +9.85% respectively. Across the full 14-year window we track, SCHD has the edge at +11.39% annualized vs +0.33%. 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 12.2% for ISD. 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 -54.3% for ISD 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Holdings Overlap
ISD and SCHD share 0 holdings out of 709 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which performed better, ISD or SCHD?
Over the past year ISD returned -4.35% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (14 years), ISD annualized +0.33% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, ISD or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 12.2% for ISD. Worst drawdown: ISD -54.3% vs SCHD -33.4%.
Should I hold both ISD and SCHD?
ISD and SCHD have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between ISD and SCHD?
ISD and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 709 unique securities.
Which pays a higher dividend, ISD or SCHD?
ISD yields 9.19% while SCHD yields 3.31%, so ISD currently pays the higher dividend yield.
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