BSJQ vs SCHD
BSJQ vs SCHD
Invesco BulletShares 2026 High Yield Corporate Bond ETF 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 | BSJQ | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.43% | 0.06% | |
| AUM | $898M | $103.7B | |
| Dividend Yield | 5.78% | 3.31% | |
| Holdings | 34 | 104 | |
| YTD Return | +1.48% | +24.26% | |
| 1Y Return | +3.80% | +31.38% | |
| 3Y Return (annualized) | +6.48% | +15.08% | |
| 5Y Return (annualized) | +3.80% | +9.72% | |
| Volatility (annualized) | 7.7% | 13.6% | |
| Max Drawdown | -25.0% | -33.4% | |
| Fund Family | Invesco (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Aug 9, 2018 | Oct 20, 2011 |
BSJQ vs SCHD Performance
Invesco BulletShares 2026 High Yield Corporate Bond ETF (BSJQ) is a ETF from Invesco (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BSJQ returned +3.80% while SCHD returned +31.38%. Year to date, BSJQ is up 1.48% versus a gain of 24.26% for SCHD.
Over three years, BSJQ compounded at +6.48% per year against +15.08% for SCHD; over five years the annualized figures are +3.80% and +9.72% respectively. Across the full 8-year window we track, SCHD has the edge at +11.39% annualized vs +2.91%. 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 7.7% for BSJQ. 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 -25.0% for BSJQ 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BSJQ charges 0.43% per year while SCHD charges 0.06%. On a $10,000 position that is $43 vs $6 annually, a gap of $37 per year that compounds over a long holding period. On income, BSJQ currently yields 5.78% against 3.31% for SCHD.
Holdings Overlap
BSJQ and SCHD share 0 holdings out of 139 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, BSJQ or SCHD?
BSJQ has an expense ratio of 0.43% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $37 per year of difference.
Which performed better, BSJQ or SCHD?
Over the past year BSJQ returned +3.80% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), BSJQ annualized +2.91% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BSJQ or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.7% for BSJQ. Worst drawdown: BSJQ -25.0% vs SCHD -33.4%.
Should I hold both BSJQ and SCHD?
BSJQ and SCHD have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BSJQ and SCHD?
BSJQ and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 139 unique securities.
Which pays a higher dividend, BSJQ or SCHD?
BSJQ yields 5.78% while SCHD yields 3.31%, so BSJQ currently pays the higher dividend yield.
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