PTBD vs SCHD
PTBD vs SCHD
Pacer Trendpilot US Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. PTBD offers more diversification with 677 holdings.
Side-by-Side Comparison
| Metric | PTBD | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.60% | 0.06% | |
| AUM | $85M | $103.7B | |
| Dividend Yield | 5.89% | 3.31% | |
| Holdings | 901 | 104 | |
| YTD Return | +1.14% | +22.69% | |
| 1Y Return | +2.24% | +30.94% | |
| 3Y Return (annualized) | +4.66% | +14.20% | |
| 5Y Return (annualized) | -1.77% | +9.59% | |
| Volatility (annualized) | 7.3% | 13.7% | |
| Max Drawdown | -26.0% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Oct 22, 2019 | Oct 20, 2011 |
PTBD vs SCHD Performance
Pacer Trendpilot US Bond ETF (PTBD) is a ETF from Pacer ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PTBD returned +2.24% while SCHD returned +30.94%. Year to date, PTBD is up 1.14% versus a gain of 22.69% for SCHD.
Over three years, PTBD compounded at +4.66% per year against +14.20% for SCHD; over five years the annualized figures are -1.77% and +9.59% respectively. Across the full 7-year window we track, SCHD has the edge at +11.31% annualized vs +0.38%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.7% compared with 7.3% for PTBD. 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 -26.0% for PTBD 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 0.60. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PTBD charges 0.60% per year while SCHD charges 0.06%. On a $10,000 position that is $60 vs $6 annually, a gap of $54 per year that compounds over a long holding period. On income, PTBD currently yields 5.89% against 3.31% for SCHD.
Holdings Overlap
PTBD and SCHD share 0 holdings out of 777 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, PTBD or SCHD?
PTBD has an expense ratio of 0.60% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $54 per year of difference.
Which performed better, PTBD or SCHD?
Over the past year PTBD returned +2.24% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), PTBD annualized +0.38% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, PTBD or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 7.3% for PTBD. Worst drawdown: PTBD -26.0% vs SCHD -33.4%.
Should I hold both PTBD and SCHD?
PTBD and SCHD have a monthly-return correlation of 0.60, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PTBD and SCHD?
PTBD and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 777 unique securities.
Which pays a higher dividend, PTBD or SCHD?
PTBD yields 5.89% while SCHD yields 3.31%, so PTBD currently pays the higher dividend yield.
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