SCHD vs XJH
Schwab US Dividend Equity ETF vs iShares ESG Select Screened S&P Mid-Cap ETF
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 | XJH | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.12% | |
| AUM | $103.7B | $422M | |
| Dividend Yield | 3.31% | 1.07% | |
| Holdings | 104 | 361 | |
| YTD Return | +26.21% | +17.56% | |
| 1Y Return | +29.99% | +23.39% | |
| 3Y Return (annualized) | +15.73% | +15.08% | |
| 5Y Return (annualized) | +9.67% | +8.54% | |
| Volatility (annualized) | 13.6% | 18.5% | |
| Max Drawdown | -33.4% | -25.1% | |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Sep 22, 2020 |
SCHD vs XJH Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and iShares ESG Select Screened S&P Mid-Cap ETF (XJH) is a ETF from iShares by BlackRock (US). Over the past year SCHD returned +29.99% while XJH returned +23.39%. Year to date, SCHD is up 26.21% versus a gain of 17.56% for XJH.
Over three years, SCHD compounded at +15.73% per year against +15.08% for XJH; over five years the annualized figures are +9.67% and +8.54% respectively. Across the full 6-year window we track, XJH has the edge at +15.25% annualized vs +11.50%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XJH has been the more volatile fund, with annualized monthly volatility of 18.5% 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 -25.1% for XJH. 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 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while XJH charges 0.12%. On a $10,000 position that is $6 vs $12 annually, a gap of $6 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 1.07% for XJH.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, SCHD or XJH?
SCHD has an expense ratio of 0.06% while XJH charges 0.12%. SCHD is the cheaper option. On a $10,000 investment, that is $6 per year of difference.
Which performed better, SCHD or XJH?
Over the past year SCHD returned +29.99% vs +23.39% for XJH, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), SCHD annualized +11.50% vs +15.25% for XJH. Past performance does not guarantee future results.
Which is riskier, SCHD or XJH?
XJH has been the more volatile fund at 18.5% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs XJH -25.1%.
Should I hold both SCHD and XJH?
SCHD and XJH have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and XJH?
SCHD and XJH share 2 common holdings with a 0.5% weight overlap. Combined, they hold 131 unique securities.
Which pays a higher dividend, SCHD or XJH?
SCHD yields 3.31% while XJH yields 1.07%, so SCHD currently pays the higher dividend yield.
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