JUNW vs SCHD
JUNW vs SCHD
AllianzIM US Equity Buffer20 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 | JUNW | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.74% | 0.06% | |
| AUM | $370M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 5 | 104 | |
| YTD Return | +4.66% | +24.26% | |
| 1Y Return | +8.62% | +31.38% | |
| 3Y Return (annualized) | +10.50% | +15.08% | |
| 5Y Return (annualized) | - | +9.72% | |
| Volatility (annualized) | 5.0% | 13.6% | |
| Max Drawdown | -8.6% | -33.4% | |
| Fund Family | AllianzIM | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | May 31, 2023 | Oct 20, 2011 |
JUNW vs SCHD Performance
AllianzIM US Equity Buffer20 Jun ETF (JUNW) is a ETF from AllianzIM and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year JUNW returned +8.62% while SCHD returned +31.38%. Year to date, JUNW is up 4.66% versus a gain of 24.26% for SCHD.
Over three years, JUNW compounded at +10.50% per year against +15.08% for SCHD. Across the full 3-year window we track, SCHD has the edge at +11.39% annualized vs +10.82%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 5.0% for JUNW. 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 -8.6% for JUNW 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 0.46. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JUNW 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, JUNW currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, JUNW or SCHD?
JUNW 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, JUNW or SCHD?
Over the past year JUNW returned +8.62% vs +31.38% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), JUNW annualized +10.82% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, JUNW or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 5.0% for JUNW. Worst drawdown: JUNW -8.6% vs SCHD -33.4%.
Should I hold both JUNW and SCHD?
JUNW and SCHD have a monthly-return correlation of 0.46, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, JUNW or SCHD?
JUNW yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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