EJAN vs SCHD
Innovator Emerging Markets Power Buffer ETF - January 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 | EJAN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.89% | 0.06% | |
| AUM | $143M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 6 | 104 | |
| YTD Return | +6.20% | +24.26% | |
| 1Y Return | +11.66% | +31.38% | |
| 3Y Return (annualized) | +8.20% | +15.08% | |
| 5Y Return (annualized) | +3.60% | +9.72% | |
| Volatility (annualized) | 11.1% | 13.6% | |
| Max Drawdown | -22.2% | -33.4% | |
| Fund Family | Innovator ETFs Trust | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jan 1, 2020 | Oct 20, 2011 |
EJAN vs SCHD Performance
Innovator Emerging Markets Power Buffer ETF - January (EJAN) 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 EJAN returned +11.66% while SCHD returned +31.38%. Year to date, EJAN is up 6.20% versus a gain of 24.26% for SCHD.
Over three years, EJAN compounded at +8.20% per year against +15.08% for SCHD; over five years the annualized figures are +3.60% and +9.72% respectively. Across the full 7-year window we track, SCHD has the edge at +11.39% annualized vs +4.48%. 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 11.1% for EJAN. 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 -22.2% for EJAN 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EJAN charges 0.89% per year while SCHD charges 0.06%. On a $10,000 position that is $89 vs $6 annually, a gap of $83 per year that compounds over a long holding period. On income, EJAN currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, EJAN or SCHD?
EJAN has an expense ratio of 0.89% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $83 per year of difference.
Which performed better, EJAN or SCHD?
Over the past year EJAN returned +11.66% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (7 years), EJAN annualized +4.48% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, EJAN or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.1% for EJAN. Worst drawdown: EJAN -22.2% vs SCHD -33.4%.
Should I hold both EJAN and SCHD?
EJAN and SCHD have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, EJAN or SCHD?
EJAN yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.