SCHD vs UXJA
Schwab US Dividend Equity ETF vs FT Vest US Equity Uncapped Accelerator ETF - January
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 | SCHD | UXJA | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.85% | |
| AUM | $103.7B | $11M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 4 | |
| YTD Return | +25.33% | +14.47% | |
| 1Y Return | +32.31% | +24.00% | |
| 3Y Return (annualized) | +15.40% | - | |
| 5Y Return (annualized) | +9.70% | - | |
| Volatility (annualized) | 13.6% | 14.6% | |
| Max Drawdown | -33.4% | -20.0% | |
| Fund Family | Charles Schwab Asset Management | First Trust Portfolios (US) | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Jan 17, 2025 |
SCHD vs UXJA Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and FT Vest US Equity Uncapped Accelerator ETF - January (UXJA) is a ETF from First Trust Portfolios (US). Over the past year SCHD returned +32.31% while UXJA returned +24.00%. Year to date, SCHD is up 25.33% versus a gain of 14.47% for UXJA.
Risk: Volatility and Drawdowns
UXJA has been the more volatile fund, with annualized monthly volatility of 14.6% 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 -20.0% for UXJA. 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 0.25. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while UXJA charges 0.85%. On a $10,000 position that is $6 vs $85 annually, a gap of $79 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.00% for UXJA.
Holdings Overlap
SCHD and UXJA 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, SCHD or UXJA?
SCHD has an expense ratio of 0.06% while UXJA charges 0.85%. SCHD is the cheaper option. On a $10,000 investment, that is $79 per year of difference.
Which performed better, SCHD or UXJA?
Over the past year SCHD returned +32.31% vs +24.00% for UXJA, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), SCHD annualized +11.45% vs +18.68% for UXJA. Past performance does not guarantee future results.
Which is riskier, SCHD or UXJA?
UXJA has been the more volatile fund at 14.6% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs UXJA -20.0%.
Should I hold both SCHD and UXJA?
SCHD and UXJA have a monthly-return correlation of 0.25, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and UXJA?
SCHD and UXJA share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or UXJA?
SCHD yields 3.31% while UXJA yields 0.00%, so SCHD currently pays the higher dividend yield.
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