JNEU vs SCHD
AllianzIM US Equity Buffer15 Uncapped Jun ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | JNEU | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.06% | |
| AUM | $39M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 4 | 104 | |
| YTD Return | +11.99% | +26.21% | |
| 1Y Return | +17.36% | +29.99% | |
| 3Y Return (annualized) | - | +15.73% | |
| 5Y Return (annualized) | - | +9.67% | |
| Volatility (annualized) | 11.0% | 13.6% | |
| Max Drawdown | -13.5% | -33.4% | |
| Fund Family | AllianzIM | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | May 31, 2024 | Oct 20, 2011 |
JNEU vs SCHD Performance
AllianzIM US Equity Buffer15 Uncapped Jun ETF (JNEU) is a ETF from AllianzIM and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year JNEU returned +17.36% while SCHD returned +29.99%. Year to date, JNEU is up 11.99% versus a gain of 26.21% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.0% for JNEU. 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 -13.5% for JNEU 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 0.37. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JNEU charges 0.74% per year while SCHD charges 0.06%. On a $10,000 position that is $74 vs $6 annually, a gap of $68 per year that compounds over a long holding period. On income, JNEU currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, JNEU or SCHD?
JNEU has an expense ratio of 0.74% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $68 per year of difference.
Which performed better, JNEU or SCHD?
Over the past year JNEU returned +17.36% vs +29.99% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), JNEU annualized +15.10% vs +11.50% for SCHD. Past performance does not guarantee future results.
Which is riskier, JNEU or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.0% for JNEU. Worst drawdown: JNEU -13.5% vs SCHD -33.4%.
Should I hold both JNEU and SCHD?
JNEU and SCHD have a monthly-return correlation of 0.37, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, JNEU or SCHD?
JNEU yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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