RSJN vs SCHD
FT Vest US Equity Equal Weight Buffer ETF - June 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 104 holdings.
Side-by-Side Comparison
| Metric | RSJN | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.85% | 0.06% | |
| AUM | $86M | $108.7B | |
| Dividend Yield | 0.00% | 3.13% | |
| Holdings | 5 | 104 | |
| YTD Return | +10.68% | +27.67% | |
| 1Y Return | +14.31% | +31.26% | |
| 3Y Return (annualized) | - | +16.66% | |
| 5Y Return (annualized) | - | +10.18% | |
| Volatility (annualized) | 7.1% | 13.6% | |
| Max Drawdown | -12.4% | -33.4% | |
| Fund Family | First Trust Portfolios (US) | Charles Schwab Asset Management | |
| Category | Alternative | Equity | |
| Inception | Jun 21, 2024 | Oct 20, 2011 |
RSJN vs SCHD Performance
FT Vest US Equity Equal Weight Buffer ETF - June (RSJN) 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 RSJN returned +14.31% while SCHD returned +31.26%. Year to date, RSJN is up 10.68% versus a gain of 27.67% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 7.1% for RSJN. 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 -12.4% for RSJN 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 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
RSJN 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, RSJN currently yields 0.00% against 3.13% for SCHD.
Holdings Overlap
RSJN 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, RSJN or SCHD?
RSJN 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, RSJN or SCHD?
Over the past year RSJN returned +14.31% vs +31.26% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), RSJN annualized +11.26% vs +11.57% for SCHD. Past performance does not guarantee future results.
Which is riskier, RSJN or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 7.1% for RSJN. Worst drawdown: RSJN -12.4% vs SCHD -33.4%.
Should I hold both RSJN and SCHD?
RSJN and SCHD have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSJN and SCHD?
RSJN and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, RSJN or SCHD?
RSJN yields 0.00% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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