PBJA vs SCHD
PGIM S&P 500 Buffer 20 ETF - January vs Schwab US Dividend Equity ETF
Which is better, PBJA or SCHD?
Option Writing against Large Cap Value.
SCHD has a lower expense ratio. SCHD led over 1Y and the full window.
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 | PBJA | SCHD |
|---|---|---|
| Expense Ratio | 0.50% | 0.06%Best |
| AUM | $65M | $112.1B |
| Dividend Yield | 0.00% | 3.00% |
| Holdings | 8 | 103 |
| YTD Return | +6.09% | +24.04%Best |
| 1Y Return | +9.28% | +27.95%Best |
| 3Y Return (annualized) | - | +15.51% |
| 5Y Return (annualized) | - | +9.80% |
| Volatility (annualized) | 4.4%Best | 13.0% |
| Max Drawdown | -8.5%Best | -16.1% |
| $10,000 over 2.7 years | $13,126 | $14,492Best |
| Fund Family | PGIM Investments | Charles Schwab Asset Management |
| Category | Alternative | Equity |
| Style | Option Writing | Large Cap Value |
| Inception | Dec 29, 2023 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.7 years row, are measured over the window both funds cover: Jan 2, 2024 to Sep 16, 2026 (2.7 years).
PBJA 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 covers the 2.7 years both funds cover.
PBJA vs SCHD Performance
PGIM S&P 500 Buffer 20 ETF - January (PBJA) is an ETF from PGIM Investments and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year PBJA returned +9.28% while SCHD returned +27.95%. Year to date, PBJA is up 6.09% versus a gain of 24.04% for SCHD.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.0% compared with 4.4% for PBJA. 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 -8.5% for PBJA and -16.1% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.33. They move together some of the time, and apart the rest.
Fees and Cost Over Time
PBJA charges 0.50% per year while SCHD charges 0.06%. On a $10,000 position that is $50 vs $6 annually, a gap of $44 per year that compounds over a long holding period. On income, PBJA currently yields 0.00% against 3.00% for SCHD.
You are not choosing between two funds in isolation.
Whichever of PBJA 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, PBJA or SCHD?
PBJA has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option, by $44 a year on a $10,000 investment.
Which performed better, PBJA or SCHD?
Over the past year PBJA returned +9.28% vs +27.95% for SCHD, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PBJA or SCHD?
SCHD has been the more volatile fund at 13.0% annualized versus 4.4% for PBJA. Worst drawdown: PBJA -8.5% vs SCHD -16.1%.
Should I hold both PBJA and SCHD?
PBJA and SCHD have a monthly-return correlation of 0.33, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, PBJA or SCHD?
PBJA yields 0.00% while SCHD yields 3.00%, so SCHD currently pays the higher dividend yield.
Is SCHD better than PBJA?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.