MUNJ vs SCHD
Northern Trust 2031 Tax-Exempt Distributing Ladder ETF vs Schwab US Dividend Equity ETF
Which is better, MUNJ or SCHD?
SCHD costs less.
SCHD has a lower expense ratio.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | MUNJ | SCHD |
|---|---|---|
| Expense Ratio | 0.18% | 0.06%Best |
| AUM | $5M | $108.9B |
| Dividend Yield | 0.00% | 3.00% |
| Holdings | 170 | 206 |
| YTD Return | -2.20% | +20.67%Best |
| 1Y Return | - | +22.79% |
| 3Y Return (annualized) | - | +15.93% |
| 5Y Return (annualized) | - | +9.26% |
| Fund Family | Northern Trust Asset Management | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Value |
| Inception | Aug 25, 2026 | Oct 20, 2011 |
Not shown on this pair: Volatility (annualized), Max Drawdown, $10,000 over the window, Top 10 Weight.
MUNJ vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
MUNJ vs SCHD Performance
Northern Trust 2031 Tax-Exempt Distributing Ladder ETF (MUNJ) is an ETF from Northern Trust Asset Management and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Year to date, MUNJ is down 2.20% versus a gain of 20.67% for SCHD.
Past performance does not guarantee future results.
Fees and Cost Over Time
MUNJ charges 0.18% per year while SCHD charges 0.06%. On a $10,000 position that is $18 vs $6 annually, a gap of $12 per year that compounds over a long holding period. On income, MUNJ currently yields 0.00% against 3.00% for SCHD.
Holdings Overlap
We hold position weights for 4 holdings in MUNJ and 99 in SCHD, totalling 2.4% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 4 positions we hold weights for in MUNJ and 99 in SCHD, against full books of 170 and 206.
You are not choosing between two funds in isolation.
Whichever of MUNJ and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, MUNJ or SCHD?
MUNJ has an expense ratio of 0.18% while SCHD charges 0.06%. SCHD is the cheaper option, by $12 a year on a $10,000 investment.
Which pays a higher dividend, MUNJ or SCHD?
MUNJ yields 0.00% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than MUNJ?
SCHD has a lower expense ratio. Which one suits a particular account depends on what it is for. This is information, not a recommendation.