SCHD vs URNJ
Schwab US Dividend Equity ETF vs Sprott Junior Uranium Miners 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 | SCHD | URNJ | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.80% | |
| AUM | $108.7B | $366M | |
| Dividend Yield | 3.13% | 7.63% | |
| Holdings | 104 | 34 | |
| YTD Return | +26.50% | -14.65% | |
| 1Y Return | +31.25% | +18.28% | |
| 3Y Return (annualized) | +16.34% | +16.21% | |
| 5Y Return (annualized) | +10.10% | - | |
| Volatility (annualized) | 13.6% | 46.4% | |
| Max Drawdown | -33.4% | -57.7% | |
| Fund Family | Charles Schwab Asset Management | Sprott ETFS | |
| Category | Equity | Commodity | |
| Inception | Oct 20, 2011 | Feb 1, 2023 |
SCHD vs URNJ Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Sprott Junior Uranium Miners ETF (URNJ) is a ETF from Sprott ETFS. Over the past year SCHD returned +31.25% while URNJ returned +18.28%. Year to date, SCHD is up 26.50% versus a loss of 14.65% for URNJ.
Over three years, SCHD compounded at +16.34% per year against +16.21% for URNJ. Across the full 4-year window we track, SCHD has the edge at +11.50% annualized vs +10.37%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
URNJ has been the more volatile fund, with annualized monthly volatility of 46.4% compared with 13.6% for SCHD. 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 -33.4% for SCHD and -57.7% for URNJ. 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 0.20. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while URNJ charges 0.80%. On a $10,000 position that is $6 vs $80 annually, a gap of $74 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 7.63% for URNJ.
Holdings Overlap
SCHD and URNJ share 0 holdings out of 138 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, SCHD or URNJ?
SCHD has an expense ratio of 0.06% while URNJ charges 0.80%. SCHD is the cheaper option. On a $10,000 investment, that is $74 per year of difference.
Which performed better, SCHD or URNJ?
Over the past year SCHD returned +31.25% vs +18.28% for URNJ, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), SCHD annualized +11.50% vs +10.37% for URNJ. Past performance does not guarantee future results.
Which is riskier, SCHD or URNJ?
URNJ has been the more volatile fund at 46.4% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs URNJ -57.7%.
Should I hold both SCHD and URNJ?
SCHD and URNJ have a monthly-return correlation of 0.20, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and URNJ?
SCHD and URNJ share 0 common holdings with a 0.0% weight overlap. Combined, they hold 138 unique securities.
Which pays a higher dividend, SCHD or URNJ?
SCHD yields 3.13% while URNJ yields 7.63%, so URNJ currently pays the higher dividend yield.
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