JFLI vs SCHD
JPMorgan Flexible Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. JFLI offers more diversification with 587 holdings.
Side-by-Side Comparison
| Metric | JFLI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $49M | $108.7B | |
| Dividend Yield | 7.34% | 3.13% | |
| Holdings | 587 | 104 | |
| YTD Return | +10.88% | +26.50% | |
| 1Y Return | +17.48% | +31.25% | |
| 3Y Return (annualized) | - | +16.34% | |
| 5Y Return (annualized) | - | +10.10% | |
| Volatility (annualized) | 8.6% | 13.6% | |
| Max Drawdown | -12.9% | -33.4% | |
| Fund Family | J.P. Morgan Asset Management | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Feb 12, 2025 | Oct 20, 2011 |
JFLI vs SCHD Performance
JPMorgan Flexible Income ETF (JFLI) 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 JFLI returned +17.48% while SCHD returned +31.25%. Year to date, JFLI is up 10.88% versus a gain of 26.50% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 8.6% for JFLI. 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 -12.9% for JFLI 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 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JFLI charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, JFLI currently yields 7.34% against 3.13% for SCHD.
Holdings Overlap
JFLI and SCHD share 32 holdings out of 563 unique holdings combined, representing a 3.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, JFLI or SCHD?
JFLI has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $29 per year of difference.
Which performed better, JFLI or SCHD?
Over the past year JFLI returned +17.48% vs +31.25% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), JFLI annualized +14.41% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, JFLI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.6% for JFLI. Worst drawdown: JFLI -12.9% vs SCHD -33.4%.
Should I hold both JFLI and SCHD?
JFLI and SCHD have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JFLI and SCHD?
JFLI and SCHD share 32 common holdings with a 3.6% weight overlap. Combined, they hold 563 unique securities.
Which pays a higher dividend, JFLI or SCHD?
JFLI yields 7.34% while SCHD yields 3.13%, so JFLI currently pays the higher dividend yield.
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