JHI vs SCHD
JHI vs SCHD
John Hancock Investors Trust vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. JHI offers more diversification with 317 holdings.
Side-by-Side Comparison
| Metric | JHI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 2.35% | 0.06% | |
| AUM | $130M | $103.7B | |
| Dividend Yield | 8.58% | 3.31% | |
| Holdings | 435 | 104 | |
| YTD Return | +1.75% | +23.02% | |
| 1Y Return | +3.57% | +30.75% | |
| 3Y Return (annualized) | +9.51% | +14.89% | |
| 5Y Return (annualized) | +0.89% | +9.38% | |
| Volatility (annualized) | 13.0% | 13.6% | |
| Max Drawdown | -58.5% | -33.4% | |
| Fund Family | John Hancock Investment Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jan 29, 1971 | Oct 20, 2011 |
JHI vs SCHD Performance
John Hancock Investors Trust (JHI) is a ETF from John Hancock Investment Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year JHI returned +3.57% while SCHD returned +30.75%. Year to date, JHI is up 1.75% versus a gain of 23.02% for SCHD.
Over three years, JHI compounded at +9.51% per year against +14.89% for SCHD; over five years the annualized figures are +0.89% and +9.38% respectively. Across the full 15-year window we track, SCHD has the edge at +11.33% annualized vs -0.07%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.0% for JHI. 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 -58.5% for JHI and -33.4% for SCHD. 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JHI charges 2.35% per year while SCHD charges 0.06%. On a $10,000 position that is $235 vs $6 annually, a gap of $229 per year that compounds over a long holding period. On income, JHI currently yields 8.58% against 3.31% for SCHD.
Holdings Overlap
JHI and SCHD share 0 holdings out of 417 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, JHI or SCHD?
JHI has an expense ratio of 2.35% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $229 per year of difference.
Which performed better, JHI or SCHD?
Over the past year JHI returned +3.57% vs +30.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), JHI annualized -0.07% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, JHI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 13.0% for JHI. Worst drawdown: JHI -58.5% vs SCHD -33.4%.
Should I hold both JHI and SCHD?
JHI and SCHD have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JHI and SCHD?
JHI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 417 unique securities.
Which pays a higher dividend, JHI or SCHD?
JHI yields 8.58% while SCHD yields 3.31%, so JHI currently pays the higher dividend yield.
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