JFLI vs SCHD
JPMorgan Flexible Income ETF vs Schwab US Dividend Equity ETF
Which is better, JFLI or SCHD?
Allocation/Balanced against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 64.2%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | JFLI | SCHD |
|---|---|---|
| Expense Ratio | 0.35% | 0.06%Best |
| AUM | $49M | $112.2B |
| Dividend Yield | 7.34% | 3.13% |
| Holdings | 587 | 103 |
| YTD Return | +10.28% | +26.13%Best |
| 1Y Return | +15.59% | +30.01%Best |
| 3Y Return (annualized) | - | +16.09% |
| 5Y Return (annualized) | - | +9.95% |
| Volatility (annualized) | 8.4%Best | 13.6% |
| Max Drawdown | -12.9%Best | -14.0% |
| $10,000 over 1.6 years | $12,237 | $13,128Best |
| Top 10 Weight | 64.2% | 41.5%Best |
| Fund Family | J.P. Morgan Asset Management | Charles Schwab Asset Management |
| Category | Allocation/Balanced | Equity |
| Style | Allocation/Balanced | Large Cap Value |
| Inception | Feb 12, 2025 | Oct 20, 2011 |
Volatility and max drawdown, and the $10,000 over 1.6 years row, are measured over the window both funds cover: Feb 13, 2025 to Sep 8, 2026 (1.6 years).
JFLI vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.6 years both funds cover.
JFLI vs SCHD Performance
JPMorgan Flexible Income ETF (JFLI) is an ETF from J.P. Morgan Asset Management and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year JFLI returned +15.59% while SCHD returned +30.01%. Year to date, JFLI is up 10.28% versus a gain of 26.13% for SCHD.
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 8.4% 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 -14.0% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.44. They move together some of the time, and apart the rest.
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
3.6% of JFLI's money is in holdings SCHD also owns. 71.6% of SCHD's money is in holdings JFLI also owns.
Most of SCHD is already inside JFLI. Owning both mostly buys the same companies twice.
The two holdings books were reported 129 days apart, JFLI as of Mar 31, 2026 and SCHD as of Aug 7, 2026, so some of the difference between them is the time between the two reports rather than the funds.
32 positions in common, counted across the 495 positions we hold weights for in JFLI and 100 in SCHD, against full books of 587 and 103.
What only one of them owns
Our book lists 66 positions for SCHD that do not appear in our book for JFLI (28.1% of the fund), and 179 for JFLI that do not appear in SCHD (79.6%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in JFLI | Weight in SCHD | Difference |
|---|---|---|---|
| AMGNAmgen Inc. | 0.11% | 4.62% | 4.51% |
| MRKMerck & Co. Inc. | 0.21% | 4.26% | 4.05% |
| KOCoca-cola Co. | 0.17% | 4.20% | 4.03% |
| UNHUnitedhealth Group | 0.08% | 4.11% | 4.03% |
| VZVerizon Communications Inc Com Usd1 | 0.18% | 3.84% | 3.66% |
| PGProcter & Gamble Company | 0.06% | 3.96% | 3.90% |
| CVXChevron Corp.United States -Energy | 0.24% | 3.74% | 3.50% |
| PEPPepsico Inc. | 0.21% | 3.71% | 3.50% |
| COPConocophillips Co | 0.03% | 3.59% | 3.56% |
| TXNTexas Instruments, Inc | 0.08% | 3.53% | 3.45% |
71.6% of SCHD is already inside JFLI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $29 a year on a $10,000 investment.
Which performed better, JFLI or SCHD?
Over the past year JFLI returned +15.59% vs +30.01% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), JFLI annualized +13.45% vs +18.54% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, JFLI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 8.4% for JFLI. Worst drawdown: JFLI -12.9% vs SCHD -14.0%.
Should I hold both JFLI and SCHD?
JFLI and SCHD have a monthly-return correlation of 0.44, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between JFLI and SCHD?
71.6% of SCHD's money is in holdings JFLI also owns. 71.6% of SCHD's is in holdings JFLI also owns. They hold 32 positions in common, counted across the 495 positions we hold weights for in JFLI and 100 in SCHD.
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.
Is SCHD better than JFLI?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 64.2%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.