SCHD vs XJH
Schwab US Dividend Equity ETF vs iShares ESG Select Screened S&P Mid-Cap ETF
Which is better, SCHD or XJH?
Large Cap Value against Mid Cap Blend.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. XJH is less concentrated, with 9.0% of the fund in its ten largest positions against 41.8%.
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 | XJH |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.12% |
| AUM | $112.1B | $415M |
| Dividend Yield | 3.00% | 1.09% |
| Holdings | 103 | 361 |
| YTD Return | +23.46%Best | +9.17% |
| 1Y Return | +27.20%Best | +12.00% |
| 3Y Return (annualized) | +15.41%Best | +13.73% |
| 5Y Return (annualized) | +10.16%Best | +7.74% |
| Volatility (annualized) | 15.2%Best | 18.4% |
| Max Drawdown | -16.9%Best | -25.1% |
| $10,000 over 5 years | $16,223Best | $14,517 |
| Top 10 Weight | 41.8% | 9.0%Best |
| Fund Family | Charles Schwab Asset Management | iShares by BlackRock (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Mid Cap Blend |
| Inception | Oct 20, 2011 | Sep 22, 2020 |
Volatility and max drawdown are measured over the window both funds cover: Sep 24, 2020 to Sep 18, 2026 (6 years).
SCHD vs XJH 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 6 years both funds cover.
SCHD vs XJH Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and iShares ESG Select Screened S&P Mid-Cap ETF (XJH) is an ETF from iShares by BlackRock (US). Over the past year SCHD returned +27.20% while XJH returned +12.00%. Year to date, SCHD is up 23.46% versus a gain of 9.17% for XJH.
Over three years, SCHD compounded at +15.41% per year against +13.73% for XJH; over five years the annualized figures are +10.16% and +7.74% respectively. Across the full 6-year window we track, SCHD has the edge at +14.78% annualized vs +13.56%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
XJH has been the more volatile fund, with annualized monthly volatility of 18.4% compared with 15.2% 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 -16.9% for SCHD and -25.1% for XJH. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.82. 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 3.00% against 1.09% for XJH.
Holdings Overlap
3.4% of SCHD's money is in holdings XJH also owns. 4.5% of XJH's money is in holdings SCHD also owns.
XJH and SCHD share little of their money.
17 positions in common, counted across the 100 positions we hold weights for in SCHD and 347 in XJH, against full books of 103 and 361.
What only one of them owns
Our book lists 325 positions for XJH that do not appear in our book for SCHD (91.3% of the fund), and 82 for SCHD that do not appear in XJH (96.6%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in XJH | Difference |
|---|---|---|---|
| EWBCEast West Bancorp, Inc. | 0.42% | 0.57% | 0.15% |
| DINOHF Sinclair Corp | 0.38% | 0.52% | 0.14% |
| FNFFidelity Nationa | 0.29% | 0.35% | 0.06% |
| WSOWatsco Inc | 0.26% | 0.36% | 0.10% |
| AFGAmerican Financial Group Inc/Oh | 0.24% | 0.32% | 0.08% |
| ORIOld Republic International Corp | 0.23% | 0.31% | 0.08% |
| BAHBooz Allen Hamilton Holding Corp. | 0.22% | 0.30% | 0.08% |
| COLBColumbia Banking System Inc Common Stock | 0.21% | 0.28% | 0.07% |
| ALVAllianz Ag | 0.20% | 0.27% | 0.07% |
| MMacy'S Inc. | 0.14% | 0.19% | 0.05% |
You are not choosing between two funds in isolation.
Whichever of SCHD and XJH 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 XJH?
SCHD has an expense ratio of 0.06% while XJH charges 0.12%. SCHD is the cheaper option, by $6 a year on a $10,000 investment.
Which performed better, SCHD or XJH?
Over the past year SCHD returned +27.20% vs +12.00% for XJH, so SCHD leads on 1-year performance. Over the longest common window we track (6 years), SCHD annualized +14.78% vs +13.56% for XJH. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or XJH?
XJH has been the more volatile fund at 18.4% annualized versus 15.2% for SCHD. Worst drawdown: SCHD -16.9% vs XJH -25.1%.
Should I hold both SCHD and XJH?
SCHD and XJH have a monthly-return correlation of 0.82, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHD and XJH?
4.5% of XJH's money is in holdings SCHD also owns. 4.5% of XJH's is in holdings SCHD also owns. They hold 17 positions in common, counted across the 100 positions we hold weights for in SCHD and 347 in XJH.
Which pays a higher dividend, SCHD or XJH?
SCHD yields 3.00% while XJH yields 1.09%, so SCHD currently pays the higher dividend yield.
Is XJH better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. XJH is less concentrated, with 9.0% of the fund in its ten largest positions against 41.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.