SCHD vs XJUL
Schwab US Dividend Equity ETF vs FT Vest US Equity Enhance & Moderate Buffer ETF - July
Which is better, SCHD or XJUL?
Large Cap Value against Multi Alternative.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y 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 | XJUL |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.85% |
| AUM | $112.2B | $43M |
| Dividend Yield | 3.13% | 0.00% |
| Holdings | 103 | 12 |
| YTD Return | +27.56%Best | +6.68% |
| 1Y Return | +30.29%Best | +9.52% |
| 3Y Return (annualized) | +16.37%Best | +10.61% |
| 5Y Return (annualized) | +10.23% | - |
| Volatility (annualized) | 13.2% | 4.7%Best |
| Max Drawdown | -16.1% | -9.1%Best |
| $10,000 over 3.1 years | $15,427Best | $13,510 |
| Fund Family | Charles Schwab Asset Management | First Trust Portfolios (US) |
| Category | Equity | Alternative |
| Style | Large Cap Value | Multi Alternative |
| Inception | Oct 20, 2011 | Jul 21, 2023 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.1 years row, are measured over the window both funds cover: Jul 24, 2023 to Sep 4, 2026 (3.1 years).
SCHD vs XJUL 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 3.1 years both funds cover.
SCHD vs XJUL Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and FT Vest US Equity Enhance & Moderate Buffer ETF - July (XJUL) is an ETF from First Trust Portfolios (US). Over the past year SCHD returned +30.29% while XJUL returned +9.52%. Year to date, SCHD is up 27.56% versus a gain of 6.68% for XJUL.
Over three years, SCHD compounded at +16.37% per year against +10.61% for XJUL.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.2% compared with 4.7% for XJUL. 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 -9.1% for XJUL. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.56. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while XJUL 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 3.13% against 0.00% for XJUL.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 1 in XJUL, totalling 100.0% and 0.6% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 1 in XJUL, against full books of 103 and 12.
You are not choosing between two funds in isolation.
Whichever of SCHD and XJUL 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 XJUL?
SCHD has an expense ratio of 0.06% while XJUL charges 0.85%. SCHD is the cheaper option, by $79 a year on a $10,000 investment.
Which performed better, SCHD or XJUL?
Over the past year SCHD returned +30.29% vs +9.52% for XJUL, 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 XJUL?
SCHD has been the more volatile fund at 13.2% annualized versus 4.7% for XJUL. Worst drawdown: SCHD -16.1% vs XJUL -9.1%.
Should I hold both SCHD and XJUL?
SCHD and XJUL have a monthly-return correlation of 0.56, 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 XJUL?
SCHD yields 3.13% while XJUL yields 0.00%, so SCHD currently pays the higher dividend yield.
Is XJUL better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.