JSI vs SCHD
JSI vs SCHD
Janus Henderson Securitized Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. JSI offers more diversification with 158 holdings.
Side-by-Side Comparison
| Metric | JSI | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.50% | 0.06% | |
| AUM | $1.5B | $103.7B | |
| Dividend Yield | 6.26% | 3.31% | |
| Holdings | 547 | 104 | |
| YTD Return | +1.08% | +23.02% | |
| 1Y Return | +2.83% | +30.75% | |
| 3Y Return (annualized) | - | +14.89% | |
| 5Y Return (annualized) | - | +9.38% | |
| Volatility (annualized) | 2.6% | 13.6% | |
| Max Drawdown | -2.3% | -33.4% | |
| Fund Family | Janus Henderson Investors | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Nov 8, 2023 | Oct 20, 2011 |
JSI vs SCHD Performance
Janus Henderson Securitized Income ETF (JSI) is a ETF from Janus Henderson Investors and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year JSI returned +2.83% while SCHD returned +30.75%. Year to date, JSI is up 1.08% versus a gain of 23.02% for SCHD.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 2.6% for JSI. 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 -2.3% for JSI 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
JSI 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, JSI currently yields 6.26% against 3.31% for SCHD.
Holdings Overlap
JSI and SCHD share 0 holdings out of 258 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, JSI or SCHD?
JSI 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, JSI or SCHD?
Over the past year JSI returned +2.83% vs +30.75% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), JSI annualized +6.80% vs +11.33% for SCHD. Past performance does not guarantee future results.
Which is riskier, JSI or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 2.6% for JSI. Worst drawdown: JSI -2.3% vs SCHD -33.4%.
Should I hold both JSI and SCHD?
JSI and SCHD have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between JSI and SCHD?
JSI and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 258 unique securities.
Which pays a higher dividend, JSI or SCHD?
JSI yields 6.26% while SCHD yields 3.31%, so JSI currently pays the higher dividend yield.
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