SCHD vs XBJL
Schwab US Dividend Equity ETF vs Innovator US Equity Accelerated 9 Buffer ETF - July
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 | XBJL | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.79% | |
| AUM | $103.7B | $74M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 7 | |
| YTD Return | +26.21% | +7.00% | |
| 1Y Return | +29.99% | +11.04% | |
| 3Y Return (annualized) | +15.73% | +12.16% | |
| 5Y Return (annualized) | +9.67% | +9.36% | |
| Volatility (annualized) | 13.6% | 8.0% | |
| Max Drawdown | -33.4% | -11.8% | |
| Fund Family | Charles Schwab Asset Management | Innovator ETFs Trust | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Jun 30, 2021 |
SCHD vs XBJL Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Innovator US Equity Accelerated 9 Buffer ETF - July (XBJL) is a ETF from Innovator ETFs Trust. Over the past year SCHD returned +29.99% while XBJL returned +11.04%. Year to date, SCHD is up 26.21% versus a gain of 7.00% for XBJL.
Over three years, SCHD compounded at +15.73% per year against +12.16% for XBJL; over five years the annualized figures are +9.67% and +9.36% respectively. Across the full 5-year window we track, SCHD has the edge at +11.50% annualized vs +9.47%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 8.0% for XBJL. 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 -11.8% for XBJL. 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XBJL 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 3.31% against 0.00% for XBJL.
Frequently Asked Questions
Which is cheaper, SCHD or XBJL?
SCHD has an expense ratio of 0.06% while XBJL charges 0.79%. SCHD is the cheaper option. On a $10,000 investment, that is $73 per year of difference.
Which performed better, SCHD or XBJL?
Over the past year SCHD returned +29.99% vs +11.04% for XBJL, so SCHD leads on 1-year performance. Over the longest common window we track (5 years), SCHD annualized +11.50% vs +9.47% for XBJL. Past performance does not guarantee future results.
Which is riskier, SCHD or XBJL?
SCHD has been the more volatile fund at 13.6% annualized versus 8.0% for XBJL. Worst drawdown: SCHD -33.4% vs XBJL -11.8%.
Should I hold both SCHD and XBJL?
SCHD and XBJL have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCHD or XBJL?
SCHD yields 3.31% while XBJL yields 0.00%, so SCHD currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.