JPIN vs SCHD
JPMorgan Diversified Return International Equity ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. JPIN offers more diversification with 477 holdings.
Side-by-Side Comparison
| Metric | JPIN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.37% | 0.06% | |
| AUM | $374M | $108.7B | |
| Dividend Yield | 4.09% | 3.13% | |
| Holdings | 477 | 104 | |
| YTD Return | +13.08% | +27.67% | |
| 1Y Return | +20.60% | +31.26% | |
| 3Y Return (annualized) | +19.73% | +16.66% | |
| 5Y Return (annualized) | +9.32% | +10.18% | |
| Volatility (annualized) | 14.1% | 13.6% | |
| Max Drawdown | -40.3% | -33.4% | |
| Fund Family | J.P. Morgan Asset Management | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Nov 5, 2014 | Oct 20, 2011 |
JPIN vs SCHD Performance
JPMorgan Diversified Return International Equity ETF (JPIN) 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 JPIN returned +20.60% while SCHD returned +31.26%. Year to date, JPIN is up 13.08% versus a gain of 27.67% for SCHD.
Over three years, JPIN compounded at +19.73% per year against +16.66% for SCHD; over five years the annualized figures are +9.32% and +10.18% respectively. Across the full 12-year window we track, SCHD has the edge at +11.57% annualized vs +5.84%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
JPIN has been the more volatile fund, with annualized monthly volatility of 14.1% 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 -40.3% for JPIN 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 0.79. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
JPIN charges 0.37% per year while SCHD charges 0.06%. On a $10,000 position that is $37 vs $6 annually, a gap of $31 per year that compounds over a long holding period. On income, JPIN currently yields 4.09% against 3.13% for SCHD.
Holdings Overlap
JPIN and SCHD share 0 holdings out of 557 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, JPIN or SCHD?
JPIN has an expense ratio of 0.37% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $31 per year of difference.
Which performed better, JPIN or SCHD?
Over the past year JPIN returned +20.60% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (12 years), JPIN annualized +5.84% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, JPIN or SCHD?
JPIN has been the more volatile fund at 14.1% annualized versus 13.6% for SCHD. Worst drawdown: JPIN -40.3% vs SCHD -33.4%.
Should I hold both JPIN and SCHD?
JPIN and SCHD have a monthly-return correlation of 0.79, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JPIN and SCHD?
JPIN and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 557 unique securities.
Which pays a higher dividend, JPIN or SCHD?
JPIN yields 4.09% while SCHD yields 3.13%, so JPIN currently pays the higher dividend yield.
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