SCHD vs XJAN
Schwab US Dividend Equity ETF vs FT Vest US Equity Enhance & Moderate Buffer ETF - January
Which is better, SCHD or XJAN?
Large Cap Value against Option Writing.
SCHD has a lower expense ratio. SCHD led over 1Y 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 | XJAN |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.85% |
| AUM | $112.1B | $40M |
| Dividend Yield | 3.00% | 0.00% |
| Holdings | 103 | 12 |
| YTD Return | +21.99%Best | +6.84% |
| 1Y Return | +25.92%Best | +9.45% |
| 3Y Return (annualized) | +15.66% | - |
| 5Y Return (annualized) | +9.48% | - |
| Volatility (annualized) | 13.3% | 4.4%Best |
| Max Drawdown | -16.1% | -10.0%Best |
| $10,000 over 2.7 years | $14,278Best | $12,764 |
| Fund Family | Charles Schwab Asset Management | First Trust Portfolios (US) |
| Category | Equity | Alternative |
| Style | Large Cap Value | Option Writing |
| Inception | Oct 20, 2011 | Jan 22, 2024 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.7 years row, are measured over the window both funds cover: Jan 22, 2024 to Sep 23, 2026 (2.7 years).
SCHD vs XJAN 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 2.7 years both funds cover.
SCHD vs XJAN Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and FT Vest US Equity Enhance & Moderate Buffer ETF - January (XJAN) is an ETF from First Trust Portfolios (US). Over the past year SCHD returned +25.92% while XJAN returned +9.45%. Year to date, SCHD is up 21.99% versus a gain of 6.84% for XJAN.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.3% compared with 4.4% 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 -16.1% for SCHD and -10.0% for XJAN. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.33. They move together some of the time, and apart the rest.
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 3.00% against 0.00% for XJAN.
You are not choosing between two funds in isolation.
Whichever of SCHD and XJAN 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 XJAN?
SCHD has an expense ratio of 0.06% while XJAN charges 0.85%. SCHD is the cheaper option, by $79 a year on a $10,000 investment.
Which performed better, SCHD or XJAN?
Over the past year SCHD returned +25.92% vs +9.45% for XJAN, 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 XJAN?
SCHD has been the more volatile fund at 13.3% annualized versus 4.4% for XJAN. Worst drawdown: SCHD -16.1% vs XJAN -10.0%.
Should I hold both SCHD and XJAN?
SCHD and XJAN have a monthly-return correlation of 0.33, 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 XJAN?
SCHD yields 3.00% while XJAN yields 0.00%, so SCHD currently pays the higher dividend yield.
Is XJAN better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.