LDUR vs SCHD
LDUR vs SCHD
PIMCO Enhanced Low Duration Active Exchange-Traded Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. LDUR offers more diversification with 522 holdings.
Side-by-Side Comparison
| Metric | LDUR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.54% | 0.06% | |
| AUM | $1.4B | $103.7B | |
| Dividend Yield | 4.37% | 3.31% | |
| Holdings | 618 | 104 | |
| YTD Return | +1.16% | +23.02% | |
| 1Y Return | +3.33% | +30.75% | |
| 3Y Return (annualized) | +5.03% | +14.89% | |
| 5Y Return (annualized) | +2.28% | +9.38% | |
| Volatility (annualized) | 1.9% | 13.6% | |
| Max Drawdown | -8.7% | -33.4% | |
| Fund Family | PIMCO (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jan 22, 2014 | Oct 20, 2011 |
LDUR vs SCHD Performance
PIMCO Enhanced Low Duration Active Exchange-Traded Fund (LDUR) is a ETF from PIMCO (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year LDUR returned +3.33% while SCHD returned +30.75%. Year to date, LDUR is up 1.16% versus a gain of 23.02% for SCHD.
Over three years, LDUR compounded at +5.03% per year against +14.89% for SCHD; over five years the annualized figures are +2.28% and +9.38% respectively. Across the full 13-year window we track, SCHD has the edge at +11.33% annualized vs +1.07%. 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 1.9% for LDUR. 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 -8.7% for LDUR 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 0.31. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
LDUR charges 0.54% per year while SCHD charges 0.06%. On a $10,000 position that is $54 vs $6 annually, a gap of $48 per year that compounds over a long holding period. On income, LDUR currently yields 4.37% against 3.31% for SCHD.
Holdings Overlap
LDUR and SCHD share 0 holdings out of 622 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, LDUR or SCHD?
LDUR has an expense ratio of 0.54% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $48 per year of difference.
Which performed better, LDUR or SCHD?
Over the past year LDUR returned +3.33% vs +30.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (13 years), LDUR annualized +1.07% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, LDUR or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.9% for LDUR. Worst drawdown: LDUR -8.7% vs SCHD -33.4%.
Should I hold both LDUR and SCHD?
LDUR and SCHD have a monthly-return correlation of 0.31, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between LDUR and SCHD?
LDUR and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 622 unique securities.
Which pays a higher dividend, LDUR or SCHD?
LDUR yields 4.37% while SCHD yields 3.31%, so LDUR currently pays the higher dividend yield.
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