JRI vs SCHD
Nuveen Real Asset Income and Growth Fund vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. JRI offers more diversification with 413 holdings.
Side-by-Side Comparison
| Metric | JRI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 3.97% | 0.06% | |
| AUM | - | $108.7B | |
| Dividend Yield | 11.87% | 3.13% | |
| Holdings | 413 | 104 | |
| YTD Return | -0.57% | +26.54% | |
| 1Y Return | +6.00% | +30.90% | |
| 3Y Return (annualized) | +16.68% | +16.29% | |
| 5Y Return (annualized) | +5.47% | +9.65% | |
| Volatility (annualized) | 20.1% | 13.6% | |
| Max Drawdown | -64.3% | -33.4% | |
| Fund Family | Nuveen | Charles Schwab Asset Management | |
| Category | Allocation/Balanced | Equity | |
| Inception | Apr 25, 2012 | Oct 20, 2011 |
JRI vs SCHD Performance
Nuveen Real Asset Income and Growth Fund (JRI) is a ETF from Nuveen and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year JRI returned +6.00% while SCHD returned +30.90%. Year to date, JRI is down 0.57% versus a gain of 26.54% for SCHD.
Over three years, JRI compounded at +16.68% per year against +16.29% for SCHD; over five years the annualized figures are +5.47% and +9.65% respectively. Across the full 14-year window we track, SCHD has the edge at +11.51% annualized vs +1.01%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
JRI has been the more volatile fund, with annualized monthly volatility of 20.1% 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 -64.3% for JRI 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
JRI charges 3.97% per year while SCHD charges 0.06%. On a $10,000 position that is $397 vs $6 annually, a gap of $391 per year that compounds over a long holding period. On income, JRI currently yields 11.87% against 3.13% for SCHD.
Holdings Overlap
JRI and SCHD share 4 holdings out of 343 unique holdings combined, representing a 1.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, JRI or SCHD?
JRI has an expense ratio of 3.97% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $391 per year of difference.
Which performed better, JRI or SCHD?
Over the past year JRI returned +6.00% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (14 years), JRI annualized +1.01% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, JRI or SCHD?
JRI has been the more volatile fund at 20.1% annualized versus 13.6% for SCHD. Worst drawdown: JRI -64.3% vs SCHD -33.4%.
Should I hold both JRI and SCHD?
JRI and SCHD have a monthly-return correlation of 0.70, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JRI and SCHD?
JRI and SCHD share 4 common holdings with a 1.4% weight overlap. Combined, they hold 343 unique securities.
Which pays a higher dividend, JRI or SCHD?
JRI yields 11.87% while SCHD yields 3.13%, so JRI currently pays the higher dividend yield.
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