SCHD vs XJAN
Schwab US Dividend Equity ETF vs FT Vest US Equity Enhance & Moderate Buffer 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 | XJAN | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.85% | |
| AUM | $103.7B | $41M | |
| Dividend Yield | 3.31% | 0.00% | |
| Holdings | 104 | 5 | |
| YTD Return | +25.33% | +5.70% | |
| 1Y Return | +32.31% | +9.96% | |
| 3Y Return (annualized) | +15.40% | - | |
| 5Y Return (annualized) | +9.70% | - | |
| Volatility (annualized) | 13.6% | 4.5% | |
| Max Drawdown | -33.4% | -10.0% | |
| Fund Family | Charles Schwab Asset Management | First Trust Portfolios (US) | |
| Category | Equity | Alternative | |
| Inception | Oct 20, 2011 | Jan 22, 2024 |
SCHD vs XJAN Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and FT Vest US Equity Enhance & Moderate Buffer ETF - January (XJAN) is a ETF from First Trust Portfolios (US). Over the past year SCHD returned +32.31% while XJAN returned +9.96%. Year to date, SCHD is up 25.33% versus a gain of 5.70% for XJAN.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 4.5% for XJAN. 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 -10.0% for XJAN. 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 0.34. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while XJAN 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 XJAN.
Holdings Overlap
SCHD and XJAN 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 XJAN?
SCHD has an expense ratio of 0.06% while XJAN 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 XJAN?
Over the past year SCHD returned +32.31% vs +9.96% for XJAN, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.45% vs +9.47% for XJAN. Past performance does not guarantee future results.
Which is riskier, SCHD or XJAN?
SCHD has been the more volatile fund at 13.6% annualized versus 4.5% for XJAN. Worst drawdown: SCHD -33.4% vs XJAN -10.0%.
Should I hold both SCHD and XJAN?
SCHD and XJAN have a monthly-return correlation of 0.34, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XJAN?
SCHD and XJAN share 0 common holdings with a 0.0% weight overlap. Combined, they hold 101 unique securities.
Which pays a higher dividend, SCHD or XJAN?
SCHD yields 3.31% while XJAN yields 0.00%, so SCHD currently pays the higher dividend yield.
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