SCHD vs TJUL
Schwab US Dividend Equity ETF vs Innovator Equity Defined Protection ETF - 2 Yr to July 2027
Which is better, SCHD or TJUL?
Large Cap Value against Multi Alternative.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y 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 | SCHD | TJUL |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.79% |
| AUM | $112.2B | $116M |
| Dividend Yield | 3.13% | 0.00% |
| Holdings | 103 | 10 |
| YTD Return | +28.59%Best | +3.30% |
| 1Y Return | +31.77%Best | +5.36% |
| 3Y Return (annualized) | +16.70%Best | +7.25% |
| 5Y Return (annualized) | +10.09% | - |
| Volatility (annualized) | 13.2% | 3.4%Best |
| Max Drawdown | -16.1% | -4.6%Best |
| $10,000 over 3.1 years | $15,859Best | $12,266 |
| Fund Family | Charles Schwab Asset Management | Innovator ETFs Trust |
| Category | Equity | Alternative |
| Style | Large Cap Value | Multi Alternative |
| Inception | Oct 20, 2011 | Jul 18, 2023 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.1 years row, are measured over the window both funds cover: Jul 18, 2023 to Sep 3, 2026 (3.1 years).
SCHD vs TJUL 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 3.1 years both funds cover.
SCHD vs TJUL Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Innovator Equity Defined Protection ETF - 2 Yr to July 2027 (TJUL) is an ETF from Innovator ETFs Trust. Over the past year SCHD returned +31.77% while TJUL returned +5.36%. Year to date, SCHD is up 28.59% versus a gain of 3.30% for TJUL.
Over three years, SCHD compounded at +16.70% per year against +7.25% for TJUL.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.2% compared with 3.4% for TJUL. 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 -16.1% for SCHD and -4.6% for TJUL. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.60. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while TJUL charges 0.79%. On a $10,000 position that is $6 vs $79 annually, a gap of $73 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 0.00% for TJUL.
You are not choosing between two funds in isolation.
Whichever of SCHD and TJUL 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, SCHD or TJUL?
SCHD has an expense ratio of 0.06% while TJUL charges 0.79%. SCHD is the cheaper option, by $73 a year on a $10,000 investment.
Which performed better, SCHD or TJUL?
Over the past year SCHD returned +31.77% vs +5.36% for TJUL, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TJUL?
SCHD has been the more volatile fund at 13.2% annualized versus 3.4% for TJUL. Worst drawdown: SCHD -16.1% vs TJUL -4.6%.
Should I hold both SCHD and TJUL?
SCHD and TJUL have a monthly-return correlation of 0.60, 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, SCHD or TJUL?
SCHD yields 3.13% while TJUL yields 0.00%, so SCHD currently pays the higher dividend yield.
Is TJUL better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.