PRAE vs SCHD
PRAE vs SCHD
PlanRock Alternative Growth ETF 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 | PRAE | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.49% | 0.06% | |
| AUM | $12M | $103.7B | |
| Dividend Yield | 0.48% | 3.31% | |
| Holdings | 28 | 104 | |
| YTD Return | +10.46% | +23.53% | |
| 1Y Return | +26.27% | +30.95% | |
| 3Y Return (annualized) | - | +14.72% | |
| 5Y Return (annualized) | - | +9.56% | |
| Volatility (annualized) | 13.6% | 13.6% | |
| Max Drawdown | -17.7% | -33.4% | |
| Fund Family | PlanRock Investments | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Dec 18, 2023 | Oct 20, 2011 |
PRAE vs SCHD Performance
PlanRock Alternative Growth ETF (PRAE) is a ETF from PlanRock Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PRAE returned +26.27% while SCHD returned +30.95%. Year to date, PRAE is up 10.46% versus a gain of 23.53% for SCHD.
Risk: Volatility and Drawdowns
PRAE has been the more volatile fund, with annualized monthly volatility of 13.6% 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 -17.7% for PRAE 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
PRAE charges 1.49% per year while SCHD charges 0.06%. On a $10,000 position that is $149 vs $6 annually, a gap of $143 per year that compounds over a long holding period. On income, PRAE currently yields 0.48% against 3.31% for SCHD.
Holdings Overlap
PRAE and SCHD share 0 holdings out of 112 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, PRAE or SCHD?
PRAE has an expense ratio of 1.49% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $143 per year of difference.
Which performed better, PRAE or SCHD?
Over the past year PRAE returned +26.27% vs +30.95% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), PRAE annualized +12.87% vs +11.35% for SCHD. Past performance does not guarantee future results.
Which is riskier, PRAE or SCHD?
PRAE has been the more volatile fund at 13.6% annualized versus 13.6% for SCHD. Worst drawdown: PRAE -17.7% vs SCHD -33.4%.
Should I hold both PRAE and SCHD?
PRAE 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 PRAE and SCHD?
PRAE and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 112 unique securities.
Which pays a higher dividend, PRAE or SCHD?
PRAE yields 0.48% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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