NJUL vs SCHD
Innovator Growth-100 Power 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 | NJUL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.79% | 0.06% | |
| AUM | $253M | $103.7B | |
| Dividend Yield | 0.00% | 3.31% | |
| Holdings | 11 | 104 | |
| YTD Return | +5.92% | +25.62% | |
| 1Y Return | +10.68% | +32.62% | |
| 3Y Return (annualized) | +14.46% | +15.58% | |
| 5Y Return (annualized) | +10.50% | +9.63% | |
| Volatility (annualized) | 9.5% | 13.6% | |
| Max Drawdown | -14.4% | -33.4% | |
| Fund Family | Innovator ETFs Trust | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jun 30, 2020 | Oct 20, 2011 |
NJUL vs SCHD Performance
Innovator Growth-100 Power Buffer ETF - July (NJUL) is a ETF from Innovator ETFs Trust and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year NJUL returned +10.68% while SCHD returned +32.62%. Year to date, NJUL is up 5.92% versus a gain of 25.62% for SCHD.
Over three years, NJUL compounded at +14.46% per year against +15.58% for SCHD; over five years the annualized figures are +10.50% and +9.63% respectively. Across the full 6-year window we track, SCHD has the edge at +11.47% annualized vs +10.73%. 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 9.5% for NJUL. 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 -14.4% for NJUL 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
NJUL charges 0.79% per year while SCHD charges 0.06%. On a $10,000 position that is $79 vs $6 annually, a gap of $73 per year that compounds over a long holding period. On income, NJUL currently yields 0.00% against 3.31% for SCHD.
Frequently Asked Questions
Which is cheaper, NJUL or SCHD?
NJUL has an expense ratio of 0.79% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $73 per year of difference.
Which performed better, NJUL or SCHD?
Over the past year NJUL returned +10.68% vs +32.62% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), NJUL annualized +10.73% vs +11.47% for SCHD. Past performance does not guarantee future results.
Which is riskier, NJUL or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 9.5% for NJUL. Worst drawdown: NJUL -14.4% vs SCHD -33.4%.
Should I hold both NJUL and SCHD?
NJUL and SCHD have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, NJUL or SCHD?
NJUL yields 0.00% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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