JPST vs SCHD
JPST vs SCHD
JPMorgan Ultra-Short Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. JPST offers more diversification with 535 holdings.
Side-by-Side Comparison
| Metric | JPST | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.18% | 0.06% | |
| AUM | $40.4B | $103.7B | |
| Dividend Yield | 4.55% | 3.31% | |
| Holdings | 794 | 104 | |
| YTD Return | +1.60% | +23.02% | |
| 1Y Return | +3.59% | +30.75% | |
| 3Y Return (annualized) | +4.96% | +14.89% | |
| 5Y Return (annualized) | +3.65% | +9.38% | |
| Volatility (annualized) | 1.1% | 13.6% | |
| Max Drawdown | -3.3% | -33.4% | |
| Fund Family | J.P. Morgan Asset Management | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | May 17, 2017 | Oct 20, 2011 |
JPST vs SCHD Performance
JPMorgan Ultra-Short Income ETF (JPST) 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 JPST returned +3.59% while SCHD returned +30.75%. Year to date, JPST is up 1.60% versus a gain of 23.02% for SCHD.
Over three years, JPST compounded at +4.96% per year against +14.89% for SCHD; over five years the annualized figures are +3.65% and +9.38% respectively. Across the full 9-year window we track, SCHD has the edge at +11.33% annualized vs +2.15%. 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 1.1% for JPST. 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 -3.3% for JPST 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 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JPST charges 0.18% per year while SCHD charges 0.06%. On a $10,000 position that is $18 vs $6 annually, a gap of $12 per year that compounds over a long holding period. On income, JPST currently yields 4.55% against 3.31% for SCHD.
Holdings Overlap
JPST and SCHD share 0 holdings out of 635 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, JPST or SCHD?
JPST has an expense ratio of 0.18% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $12 per year of difference.
Which performed better, JPST or SCHD?
Over the past year JPST returned +3.59% vs +30.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), JPST annualized +2.15% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, JPST or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 1.1% for JPST. Worst drawdown: JPST -3.3% vs SCHD -33.4%.
Should I hold both JPST and SCHD?
JPST and SCHD have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JPST and SCHD?
JPST and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 635 unique securities.
Which pays a higher dividend, JPST or SCHD?
JPST yields 4.55% while SCHD yields 3.31%, so JPST currently pays the higher dividend yield.
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