PTIN vs SCHD
PTIN vs SCHD
Pacer Trendpilot International ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. PTIN delivered stronger 1-year returns. PTIN offers more diversification with 470 holdings.
Side-by-Side Comparison
| Metric | PTIN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.67% | 0.06% | |
| AUM | $182M | $103.7B | |
| Dividend Yield | 2.17% | 3.31% | |
| Holdings | 511 | 104 | |
| YTD Return | +14.74% | +23.02% | |
| 1Y Return | +31.14% | +30.75% | |
| 3Y Return (annualized) | +13.20% | +14.89% | |
| 5Y Return (annualized) | +6.50% | +9.38% | |
| Volatility (annualized) | 13.6% | 13.6% | |
| Max Drawdown | -21.3% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | May 2, 2019 | Oct 20, 2011 |
PTIN vs SCHD Performance
Pacer Trendpilot International ETF (PTIN) 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 PTIN returned +31.14% while SCHD returned +30.75%. Year to date, PTIN is up 14.74% versus a gain of 23.02% for SCHD.
Over three years, PTIN compounded at +13.20% per year against +14.89% for SCHD; over five years the annualized figures are +6.50% and +9.38% respectively. Across the full 7-year window we track, SCHD has the edge at +11.33% annualized vs +6.95%. 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 13.6% for PTIN. 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 -21.3% for PTIN 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PTIN charges 0.67% per year while SCHD charges 0.06%. On a $10,000 position that is $67 vs $6 annually, a gap of $61 per year that compounds over a long holding period. On income, PTIN currently yields 2.17% against 3.31% for SCHD.
Holdings Overlap
PTIN and SCHD share 0 holdings out of 570 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, PTIN or SCHD?
PTIN has an expense ratio of 0.67% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $61 per year of difference.
Which performed better, PTIN or SCHD?
Over the past year PTIN returned +31.14% vs +30.75% for SCHD, so PTIN leads on 1-year performance. Over the longest common window we track (7 years), PTIN annualized +6.95% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, PTIN or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.6% for PTIN. Worst drawdown: PTIN -21.3% vs SCHD -33.4%.
Should I hold both PTIN and SCHD?
PTIN and SCHD have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PTIN and SCHD?
PTIN and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 570 unique securities.
Which pays a higher dividend, PTIN or SCHD?
PTIN yields 2.17% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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