BSJS vs SCHD
BSJS vs SCHD
Invesco BulletShares 2028 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. BSJS offers more diversification with 185 holdings.
Side-by-Side Comparison
| Metric | BSJS | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.42% | 0.06% | |
| AUM | $726M | $103.7B | |
| Dividend Yield | 6.22% | 3.31% | |
| Holdings | 198 | 104 | |
| YTD Return | +2.51% | +24.26% | |
| 1Y Return | +5.18% | +31.38% | |
| 3Y Return (annualized) | +8.16% | +15.08% | |
| 5Y Return (annualized) | +3.21% | +9.72% | |
| Volatility (annualized) | 7.3% | 13.6% | |
| Max Drawdown | -17.7% | -33.4% | |
| Fund Family | Invesco (US) | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Sep 16, 2020 | Oct 20, 2011 |
BSJS vs SCHD Performance
Invesco BulletShares 2028 High Yield Corporate Bond ETF (BSJS) 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 BSJS returned +5.18% while SCHD returned +31.38%. Year to date, BSJS is up 2.51% versus a gain of 24.26% for SCHD.
Over three years, BSJS compounded at +8.16% per year against +15.08% for SCHD; over five years the annualized figures are +3.21% and +9.72% respectively. Across the full 6-year window we track, SCHD has the edge at +11.39% annualized vs +3.56%. 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 7.3% for BSJS. 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 -17.7% for BSJS 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 0.66. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
BSJS 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, BSJS currently yields 6.22% against 3.31% for SCHD.
Holdings Overlap
BSJS and SCHD share 0 holdings out of 285 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, BSJS or SCHD?
BSJS 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, BSJS or SCHD?
Over the past year BSJS returned +5.18% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), BSJS annualized +3.56% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, BSJS or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.3% for BSJS. Worst drawdown: BSJS -17.7% vs SCHD -33.4%.
Should I hold both BSJS and SCHD?
BSJS and SCHD have a monthly-return correlation of 0.66, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BSJS and SCHD?
BSJS and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 285 unique securities.
Which pays a higher dividend, BSJS or SCHD?
BSJS yields 6.22% while SCHD yields 3.31%, so BSJS currently pays the higher dividend yield.
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