JPIB vs SCHD
JPIB vs SCHD
JPMorgan International Bond Opportunities ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. JPIB offers more diversification with 340 holdings.
Side-by-Side Comparison
| Metric | JPIB | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $2.1B | $103.7B | |
| Dividend Yield | 4.67% | 3.31% | |
| Holdings | 993 | 104 | |
| YTD Return | +0.70% | +24.08% | |
| 1Y Return | +3.15% | +31.88% | |
| 3Y Return (annualized) | +5.89% | +14.92% | |
| 5Y Return (annualized) | +2.73% | +9.85% | |
| Volatility (annualized) | 4.9% | 13.6% | |
| Max Drawdown | -14.6% | -33.4% | |
| Fund Family | J.P. Morgan Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Apr 5, 2017 | Oct 20, 2011 |
JPIB vs SCHD Performance
JPMorgan International Bond Opportunities ETF (JPIB) is a ETF from J.P. Morgan Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year JPIB returned +3.15% while SCHD returned +31.88%. Year to date, JPIB is up 0.70% versus a gain of 24.08% for SCHD.
Over three years, JPIB compounded at +5.89% per year against +14.92% for SCHD; over five years the annualized figures are +2.73% and +9.85% respectively. Across the full 9-year window we track, SCHD has the edge at +11.39% annualized vs +1.87%. 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 4.9% for JPIB. 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 -14.6% for JPIB 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 0.63. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JPIB charges 0.50% per year while SCHD charges 0.06%. On a $10,000 position that is $50 vs $6 annually, a gap of $44 per year that compounds over a long holding period. On income, JPIB currently yields 4.67% against 3.31% for SCHD.
Holdings Overlap
JPIB and SCHD share 0 holdings out of 440 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, JPIB or SCHD?
JPIB has an expense ratio of 0.50% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $44 per year of difference.
Which performed better, JPIB or SCHD?
Over the past year JPIB returned +3.15% vs +31.88% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), JPIB annualized +1.87% vs +11.39% for SCHD. Past performance does not guarantee future results.
Which is riskier, JPIB or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 4.9% for JPIB. Worst drawdown: JPIB -14.6% vs SCHD -33.4%.
Should I hold both JPIB and SCHD?
JPIB and SCHD have a monthly-return correlation of 0.63, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JPIB and SCHD?
JPIB and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 440 unique securities.
Which pays a higher dividend, JPIB or SCHD?
JPIB yields 4.67% while SCHD yields 3.31%, so JPIB currently pays the higher dividend yield.
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