BSJR vs SCHD
Invesco BulletShares 2027 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 | BSJR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.42% | 0.06% | |
| AUM | $865M | $103.7B | |
| Dividend Yield | 5.66% | 3.31% | |
| Holdings | 104 | 104 | |
| YTD Return | +2.09% | +25.58% | |
| 1Y Return | +4.01% | +31.06% | |
| 3Y Return (annualized) | +7.63% | +15.55% | |
| 5Y Return (annualized) | +3.45% | +9.61% | |
| Volatility (annualized) | 8.8% | 13.6% | |
| Max Drawdown | -23.3% | -33.4% | |
| Fund Family | Invesco (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 12, 2019 | Oct 20, 2011 |
BSJR vs SCHD Performance
Invesco BulletShares 2027 High Yield Corporate Bond ETF (BSJR) 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 BSJR returned +4.01% while SCHD returned +31.06%. Year to date, BSJR is up 2.09% versus a gain of 25.58% for SCHD.
Over three years, BSJR compounded at +7.63% per year against +15.55% for SCHD; over five years the annualized figures are +3.45% and +9.61% respectively. Across the full 7-year window we track, SCHD has the edge at +11.46% annualized vs +3.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 8.8% for BSJR. 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 -23.3% for BSJR 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BSJR charges 0.42% per year while SCHD charges 0.06%. On a $10,000 position that is $42 vs $6 annually, a gap of $36 per year that compounds over a long holding period. On income, BSJR currently yields 5.66% against 3.31% for SCHD.
Holdings Overlap
BSJR and SCHD share 0 holdings out of 189 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, BSJR or SCHD?
BSJR has an expense ratio of 0.42% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $36 per year of difference.
Which performed better, BSJR or SCHD?
Over the past year BSJR returned +4.01% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), BSJR annualized +3.07% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, BSJR or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.8% for BSJR. Worst drawdown: BSJR -23.3% vs SCHD -33.4%.
Should I hold both BSJR and SCHD?
BSJR and SCHD have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BSJR and SCHD?
BSJR and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 189 unique securities.
Which pays a higher dividend, BSJR or SCHD?
BSJR yields 5.66% while SCHD yields 3.31%, so BSJR currently pays the higher dividend yield.
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