PRSD vs SCHD
PRSD vs SCHD
State Street Short Duration IG Public & Private Credit 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 | PRSD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.45% | 0.06% | |
| AUM | $64M | $103.7B | |
| Dividend Yield | 2.96% | 3.31% | |
| Holdings | 251 | 104 | |
| YTD Return | +1.43% | +22.69% | |
| 1Y Return | +2.80% | +30.94% | |
| 3Y Return (annualized) | - | +14.20% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | - | 13.7% | |
| Max Drawdown | -0.7% | -33.4% | |
| Fund Family | State Street Investment Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 10, 2025 | Oct 20, 2011 |
PRSD vs SCHD Performance
State Street Short Duration IG Public & Private Credit ETF (PRSD) is a ETF from State Street Investment Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PRSD returned +2.80% while SCHD returned +30.94%. Year to date, PRSD is up 1.43% versus a gain of 22.69% for SCHD.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -0.7% for PRSD and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
PRSD charges 0.45% per year while SCHD charges 0.06%. On a $10,000 position that is $45 vs $6 annually, a gap of $39 per year that compounds over a long holding period. On income, PRSD currently yields 2.96% against 3.31% for SCHD.
Holdings Overlap
PRSD and SCHD share 1 holdings out of 183 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 PRSD | Weight in SCHD | Difference |
|---|---|---|---|
| GVMXX | 6.86% | 0.04% | 6.82% |
Frequently Asked Questions
Which is cheaper, PRSD or SCHD?
PRSD has an expense ratio of 0.45% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $39 per year of difference.
Which performed better, PRSD or SCHD?
Over the past year PRSD returned +2.80% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results.
What is the holdings overlap between PRSD and SCHD?
PRSD and SCHD share 1 common holdings with a 0.0% weight overlap. Combined, they hold 183 unique securities.
Which pays a higher dividend, PRSD or SCHD?
PRSD yields 2.96% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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