FLJH vs SCHD
Franklin FTSE Japan Hedged ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. FLJH delivered stronger 1-year returns. FLJH offers more diversification with 476 holdings.
Side-by-Side Comparison
| Metric | FLJH | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.09% | 0.06% | |
| AUM | $182M | $103.7B | |
| Dividend Yield | 2.49% | 3.31% | |
| Holdings | 488 | 104 | |
| YTD Return | +24.57% | +25.58% | |
| 1Y Return | +36.88% | +31.06% | |
| 3Y Return (annualized) | +27.23% | +15.55% | |
| 5Y Return (annualized) | +21.36% | +9.61% | |
| Volatility (annualized) | 15.1% | 13.6% | |
| Max Drawdown | -35.2% | -33.4% | |
| Fund Family | Franklin Templeton Investments (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 2, 2017 | Oct 20, 2011 |
FLJH vs SCHD Performance
Franklin FTSE Japan Hedged ETF (FLJH) is a ETF from Franklin Templeton Investments (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year FLJH returned +36.88% while SCHD returned +31.06%. Year to date, FLJH is up 24.57% versus a gain of 25.58% for SCHD.
Over three years, FLJH compounded at +27.23% per year against +15.55% for SCHD; over five years the annualized figures are +21.36% and +9.61% respectively. Across the full 9-year window we track, FLJH has the edge at +13.94% annualized vs +11.46%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FLJH has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 13.6% for SCHD. 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 -35.2% for FLJH 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 0.61. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
FLJH charges 0.09% per year while SCHD charges 0.06%. On a $10,000 position that is $9 vs $6 annually, a gap of $3 per year that compounds over a long holding period. On income, FLJH currently yields 2.49% against 3.31% for SCHD.
Holdings Overlap
FLJH and SCHD share 0 holdings out of 576 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, FLJH or SCHD?
FLJH has an expense ratio of 0.09% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, FLJH or SCHD?
Over the past year FLJH returned +36.88% vs +31.06% for SCHD, so FLJH leads on 1-year performance. Over the longest common window we track (9 years), FLJH annualized +13.94% vs +11.46% for SCHD. Past performance does not guarantee future results.
Which is riskier, FLJH or SCHD?
FLJH has been the more volatile fund at 15.1% annualized versus 13.6% for SCHD. Worst drawdown: FLJH -35.2% vs SCHD -33.4%.
Should I hold both FLJH and SCHD?
FLJH and SCHD have a monthly-return correlation of 0.61, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between FLJH and SCHD?
FLJH and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 576 unique securities.
Which pays a higher dividend, FLJH or SCHD?
FLJH yields 2.49% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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