JCTR vs SCHD
JCTR vs SCHD
JPMorgan Carbon Transition US Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. JCTR offers more diversification with 405 holdings.
Side-by-Side Comparison
| Metric | JCTR | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.15% | 0.06% | |
| AUM | $7M | $103.7B | |
| Dividend Yield | 0.94% | 3.31% | |
| Holdings | 405 | 104 | |
| YTD Return | +13.48% | +24.26% | |
| 1Y Return | +17.99% | +31.38% | |
| 3Y Return (annualized) | +22.23% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 15.5% | 13.6% | |
| Max Drawdown | -24.8% | -33.4% | |
| Fund Family | J.P. Morgan Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 9, 2020 | Oct 20, 2011 |
JCTR vs SCHD Performance
JPMorgan Carbon Transition US Equity ETF (JCTR) is a ETF from J.P. Morgan Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year JCTR returned +17.99% while SCHD returned +31.38%. Year to date, JCTR is up 13.48% versus a gain of 24.26% for SCHD.
Over three years, JCTR compounded at +22.23% per year against +15.08% for SCHD. Across the full 5-year window we track, JCTR has the edge at +14.78% annualized vs +11.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
JCTR has been the more volatile fund, with annualized monthly volatility of 15.5% 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 -24.8% for JCTR 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 0.76. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
JCTR charges 0.15% per year while SCHD charges 0.06%. On a $10,000 position that is $15 vs $6 annually, a gap of $9 per year that compounds over a long holding period. On income, JCTR currently yields 0.94% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, JCTR or SCHD?
JCTR has an expense ratio of 0.15% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $9 per year of difference.
Which performed better, JCTR or SCHD?
Over the past year JCTR returned +17.99% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), JCTR annualized +14.78% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, JCTR or SCHD?
JCTR has been the more volatile fund at 15.5% annualized versus 13.6% for SCHD. Worst drawdown: JCTR -24.8% vs SCHD -33.4%.
Should I hold both JCTR and SCHD?
JCTR and SCHD have a monthly-return correlation of 0.76, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, JCTR or SCHD?
JCTR yields 0.94% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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