JULM vs SCHD
FT Vest US Equity Max Buffer ETF - July 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 | JULM | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.06% | |
| AUM | $29M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | +3.85% | +25.62% | |
| 1Y Return | +6.47% | +32.62% | |
| 3Y Return (annualized) | - | +15.58% | |
| 5Y Return (annualized) | - | +9.63% | |
| Volatility (annualized) | 2.7% | 13.6% | |
| Max Drawdown | -4.4% | -33.4% | |
| Fund Family | First Trust Portfolios (US) | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Jul 24, 2024 | Oct 20, 2011 |
JULM vs SCHD Performance
FT Vest US Equity Max Buffer ETF - July (JULM) is a ETF from First Trust Portfolios (US) and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year JULM returned +6.47% while SCHD returned +32.62%. Year to date, JULM is up 3.85% versus a gain of 25.62% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 2.7% for JULM. 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 -4.4% for JULM 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 0.35. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JULM charges 0.85% per year while SCHD charges 0.06%. On a $10,000 position that is $85 vs $6 annually, a gap of $79 per year that compounds over a long holding period. On income, JULM currently yields 0.00% against 3.31% for SCHD.
Holdings Overlap
JULM and SCHD share 0 holdings out of 101 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, JULM or SCHD?
JULM has an expense ratio of 0.85% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $79 per year of difference.
Which performed better, JULM or SCHD?
Over the past year JULM returned +6.47% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), JULM annualized +7.08% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, JULM or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 2.7% for JULM. Worst drawdown: JULM -4.4% vs SCHD -33.4%.
Should I hold both JULM and SCHD?
JULM and SCHD have a monthly-return correlation of 0.35, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JULM and SCHD?
JULM and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, JULM or SCHD?
JULM yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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