JSTC vs SCHD
Adasina Social Justice All Cap Global ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. JSTC offers more diversification with 631 holdings.
Side-by-Side Comparison
| Metric | JSTC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.89% | 0.06% | |
| AUM | $308M | $108.7B | |
| Dividend Yield | 1.22% | 3.13% | |
| Holdings | 631 | 104 | |
| YTD Return | +14.60% | +26.54% | |
| 1Y Return | +17.36% | +30.90% | |
| 3Y Return (annualized) | +14.84% | +16.29% | |
| 5Y Return (annualized) | +6.83% | +9.65% | |
| Volatility (annualized) | 14.3% | 13.6% | |
| Max Drawdown | -26.8% | -33.4% | |
| Fund Family | Adasina ETF Social Capital | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 8, 2020 | Oct 20, 2011 |
JSTC vs SCHD Performance
Adasina Social Justice All Cap Global ETF (JSTC) is a ETF from Adasina ETF Social Capital and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year JSTC returned +17.36% while SCHD returned +30.90%. Year to date, JSTC is up 14.60% versus a gain of 26.54% for SCHD.
Over three years, JSTC compounded at +14.84% per year against +16.29% for SCHD; over five years the annualized figures are +6.83% and +9.65% respectively. Across the full 6-year window we track, SCHD has the edge at +11.51% annualized vs +9.04%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
JSTC has been the more volatile fund, with annualized monthly volatility of 14.3% 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 -26.8% for JSTC 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 0.78. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
JSTC charges 0.89% per year while SCHD charges 0.06%. On a $10,000 position that is $89 vs $6 annually, a gap of $83 per year that compounds over a long holding period. On income, JSTC currently yields 1.22% against 3.13% for SCHD.
Holdings Overlap
JSTC and SCHD share 6 holdings out of 677 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, JSTC or SCHD?
JSTC has an expense ratio of 0.89% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $83 per year of difference.
Which performed better, JSTC or SCHD?
Over the past year JSTC returned +17.36% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), JSTC annualized +9.04% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, JSTC or SCHD?
JSTC has been the more volatile fund at 14.3% annualized versus 13.6% for SCHD. Worst drawdown: JSTC -26.8% vs SCHD -33.4%.
Should I hold both JSTC and SCHD?
JSTC and SCHD have a monthly-return correlation of 0.78, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JSTC and SCHD?
JSTC and SCHD share 6 common holdings with a 1.4% weight overlap. Combined, they hold 677 unique securities.
Which pays a higher dividend, JSTC or SCHD?
JSTC yields 1.22% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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