GSJY vs SCHD
Goldman Sachs ActiveBeta Japan Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. GSJY offers more diversification with 157 holdings.
Side-by-Side Comparison
| Metric | GSJY | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.25% | 0.06% | |
| AUM | $89M | $108.7B | |
| Dividend Yield | 2.05% | 3.13% | |
| Holdings | 157 | 104 | |
| YTD Return | +16.00% | +27.67% | |
| 1Y Return | +23.13% | +31.26% | |
| 3Y Return (annualized) | +19.82% | +16.66% | |
| 5Y Return (annualized) | +9.88% | +10.18% | |
| Volatility (annualized) | 13.2% | 13.6% | |
| Max Drawdown | -32.6% | -33.4% | |
| Fund Family | Goldman Sachs Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Mar 2, 2016 | Oct 20, 2011 |
GSJY vs SCHD Performance
Goldman Sachs ActiveBeta Japan Equity ETF (GSJY) is a ETF from Goldman Sachs Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year GSJY returned +23.13% while SCHD returned +31.26%. Year to date, GSJY is up 16.00% versus a gain of 27.67% for SCHD.
Over three years, GSJY compounded at +19.82% per year against +16.66% for SCHD; over five years the annualized figures are +9.88% and +10.18% respectively. Across the full 11-year window we track, SCHD has the edge at +11.57% annualized vs +8.08%. 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 13.2% for GSJY. 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 -32.6% for GSJY 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
GSJY charges 0.25% per year while SCHD charges 0.06%. On a $10,000 position that is $25 vs $6 annually, a gap of $19 per year that compounds over a long holding period. On income, GSJY currently yields 2.05% against 3.13% for SCHD.
Holdings Overlap
GSJY and SCHD share 0 holdings out of 253 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, GSJY or SCHD?
GSJY has an expense ratio of 0.25% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $19 per year of difference.
Which performed better, GSJY or SCHD?
Over the past year GSJY returned +23.13% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (11 years), GSJY annualized +8.08% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, GSJY or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.2% for GSJY. Worst drawdown: GSJY -32.6% vs SCHD -33.4%.
Should I hold both GSJY and SCHD?
GSJY and SCHD have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between GSJY and SCHD?
GSJY and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 253 unique securities.
Which pays a higher dividend, GSJY or SCHD?
GSJY yields 2.05% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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