BSJW vs SCHD

Quick Verdict

SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. BSJW offers more diversification with 149 holdings.

Lower Fees: SCHDHigher Returns: SCHDMore Diversified: BSJW

Side-by-Side Comparison

MetricBSJWSCHDWinner
Expense Ratio0.42%0.06%
AUM$45M$103.7B
Dividend Yield6.05%3.31%
Holdings174104
YTD Return+1.94%+25.58%
1Y Return+5.46%+31.06%
3Y Return (annualized)-+15.55%
5Y Return (annualized)-+9.61%
Volatility (annualized)3.9%13.6%
Max Drawdown-4.5%-33.4%
Fund FamilyInvesco (US)Charles Schwab Asset Management
CategoryFixed IncomeEquity
InceptionJun 12, 2024Oct 20, 2011

BSJW vs SCHD Performance

Invesco BulletShares 2032 High Yield Corporate Bond ETF (BSJW) 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 BSJW returned +5.46% while SCHD returned +31.06%. Year to date, BSJW is up 1.94% versus a gain of 25.58% for SCHD.

Risk: Volatility and Drawdowns

SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 3.9% for BSJW. 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 -4.5% for BSJW 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 0.48. They move independently enough that combining them can meaningfully diversify a portfolio.

Fees and Cost Over Time

BSJW 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, BSJW currently yields 6.05% against 3.31% for SCHD.

Holdings Overlap

0.0%overlap

BSJW and SCHD share 0 holdings out of 249 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, BSJW or SCHD?

BSJW 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, BSJW or SCHD?

Over the past year BSJW returned +5.46% vs +31.06% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), BSJW annualized +7.37% vs +11.46% for SCHD. Past performance does not guarantee future results.

Which is riskier, BSJW or SCHD?

SCHD has been the more volatile fund at 13.6% annualized versus 3.9% for BSJW. Worst drawdown: BSJW -4.5% vs SCHD -33.4%.

Should I hold both BSJW and SCHD?

BSJW and SCHD have a monthly-return correlation of 0.48, so combining them can provide real diversification depending on your allocation goals.

What is the holdings overlap between BSJW and SCHD?

BSJW and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 249 unique securities.

Which pays a higher dividend, BSJW or SCHD?

BSJW yields 6.05% while SCHD yields 3.31%, so BSJW currently pays the higher dividend yield.

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