PTLC vs SCHD
PTLC vs SCHD
Pacer Trendpilot US Large Cap ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. PTLC offers more diversification with 493 holdings.
Side-by-Side Comparison
| Metric | PTLC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.60% | 0.06% | |
| AUM | $3.2B | $103.7B | |
| Dividend Yield | 1.01% | 3.31% | |
| Holdings | 506 | 104 | |
| YTD Return | +4.54% | +22.69% | |
| 1Y Return | +12.30% | +30.94% | |
| 3Y Return (annualized) | +11.76% | +14.20% | |
| 5Y Return (annualized) | +9.53% | +9.59% | |
| Volatility (annualized) | 65542.9% | 13.7% | |
| Max Drawdown | -100.0% | -33.4% | |
| Fund Family | Pacer ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jun 11, 2015 | Oct 20, 2011 |
PTLC vs SCHD Performance
Pacer Trendpilot US Large Cap ETF (PTLC) 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 PTLC returned +12.30% while SCHD returned +30.94%. Year to date, PTLC is up 4.54% versus a gain of 22.69% for SCHD.
Over three years, PTLC compounded at +11.76% per year against +14.20% for SCHD; over five years the annualized figures are +9.53% and +9.59% respectively. Across the full 15-year window we track, PTLC has the edge at +36.83% annualized vs +11.31%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PTLC has been the more volatile fund, with annualized monthly volatility of 65542.9% compared with 13.7% 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 -100.0% for PTLC 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 -0.10. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PTLC 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, PTLC currently yields 1.01% against 3.31% for SCHD.
Holdings Overlap
PTLC and SCHD share 46 holdings out of 547 unique holdings combined, representing a 7.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in PTLC | Weight in SCHD | Difference |
|---|---|---|---|
| UNH | 0.60% | 4.54% | 3.94% |
| MRK | 0.50% | 4.32% | 3.82% |
| ABT | 0.26% | 4.49% | 4.23% |
| HD | Pro | Pro | Pro |
| PG | Pro | Pro | Pro |
| KO | Pro | Pro | Pro |
| AMGN | Pro | Pro | Pro |
| CVX | Pro | Pro | Pro |
| TXN | Pro | Pro | Pro |
| PEP | Pro | Pro | Pro |
See all 10 holdings PTLC shares with SCHD Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, PTLC or SCHD?
PTLC 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, PTLC or SCHD?
Over the past year PTLC returned +12.30% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), PTLC annualized +36.83% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, PTLC or SCHD?
PTLC has been the more volatile fund at 65542.9% annualized versus 13.7% for SCHD. Worst drawdown: PTLC -100.0% vs SCHD -33.4%.
Should I hold both PTLC and SCHD?
PTLC and SCHD have a monthly-return correlation of -0.10, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PTLC and SCHD?
PTLC and SCHD share 46 common holdings with a 7.8% weight overlap. Combined, they hold 547 unique securities.
Which pays a higher dividend, PTLC or SCHD?
PTLC yields 1.01% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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