PTRB vs SCHD
PTRB vs SCHD
PGIM Total Return Bond ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. PTRB offers more diversification with 724 holdings.
Side-by-Side Comparison
| Metric | PTRB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.49% | 0.06% | |
| AUM | $1.1B | $103.7B | |
| Dividend Yield | 5.51% | 3.31% | |
| Holdings | 1,478 | 104 | |
| YTD Return | -0.40% | +22.69% | |
| 1Y Return | +3.10% | +30.94% | |
| 3Y Return (annualized) | +4.68% | +14.20% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 7.2% | 13.7% | |
| Max Drawdown | -19.2% | -33.4% | |
| Fund Family | PGIM Investments | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Dec 2, 2021 | Oct 20, 2011 |
PTRB vs SCHD Performance
PGIM Total Return Bond ETF (PTRB) is a ETF from PGIM Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PTRB returned +3.10% while SCHD returned +30.94%. Year to date, PTRB is down 0.40% versus a gain of 22.69% for SCHD.
Over three years, PTRB compounded at +4.68% per year against +14.20% for SCHD. Across the full 5-year window we track, SCHD has the edge at +11.31% annualized vs +0.07%. 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 7.2% for PTRB. 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 -19.2% for PTRB 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
PTRB charges 0.49% per year while SCHD charges 0.06%. On a $10,000 position that is $49 vs $6 annually, a gap of $43 per year that compounds over a long holding period. On income, PTRB currently yields 5.51% against 3.31% for SCHD.
Holdings Overlap
PTRB and SCHD share 0 holdings out of 824 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, PTRB or SCHD?
PTRB has an expense ratio of 0.49% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $43 per year of difference.
Which performed better, PTRB or SCHD?
Over the past year PTRB returned +3.10% vs +30.94% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), PTRB annualized +0.07% vs +11.31% for SCHD. Past performance does not guarantee future results.
Which is riskier, PTRB or SCHD?
SCHD has been the more volatile fund at 13.7% annualized versus 7.2% for PTRB. Worst drawdown: PTRB -19.2% vs SCHD -33.4%.
Should I hold both PTRB and SCHD?
PTRB 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 PTRB and SCHD?
PTRB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 824 unique securities.
Which pays a higher dividend, PTRB or SCHD?
PTRB yields 5.51% while SCHD yields 3.31%, so PTRB currently pays the higher dividend yield.
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