BJUN vs SCHD
BJUN vs SCHD
Innovator US Equity Buffer ETF - June 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 | BJUN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.06% | |
| AUM | $314M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 6 | 104 | |
| YTD Return | +6.52% | +24.26% | |
| 1Y Return | +12.33% | +31.38% | |
| 3Y Return (annualized) | +13.86% | +15.08% | |
| 5Y Return (annualized) | +8.51% | +9.72% | |
| Volatility (annualized) | 10.2% | 13.6% | |
| Max Drawdown | -22.7% | -33.4% | |
| Fund Family | Innovator ETFs Trust | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | May 31, 2019 | Oct 20, 2011 |
BJUN vs SCHD Performance
Innovator US Equity Buffer ETF - June (BJUN) is a ETF from Innovator ETFs Trust and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BJUN returned +12.33% while SCHD returned +31.38%. Year to date, BJUN is up 6.52% versus a gain of 24.26% for SCHD.
Over three years, BJUN compounded at +13.86% per year against +15.08% for SCHD; over five years the annualized figures are +8.51% and +9.72% respectively. Across the full 7-year window we track, SCHD has the edge at +11.39% annualized vs +9.87%. 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 10.2% for BJUN. 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 -22.7% for BJUN 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BJUN charges 0.79% per year while SCHD charges 0.06%. On a $10,000 position that is $79 vs $6 annually, a gap of $73 per year that compounds over a long holding period. On income, BJUN currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, BJUN or SCHD?
BJUN has an expense ratio of 0.79% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $73 per year of difference.
Which performed better, BJUN or SCHD?
Over the past year BJUN returned +12.33% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), BJUN annualized +9.87% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BJUN or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 10.2% for BJUN. Worst drawdown: BJUN -22.7% vs SCHD -33.4%.
Should I hold both BJUN and SCHD?
BJUN and SCHD have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, BJUN or SCHD?
BJUN yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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