Goldman Sachs JUST US Large Cap Equity ETF (JUST) is a ETF from Goldman Sachs Asset Management and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year JUST returned +25.83% while SCHD returned +30.42%. Year to date, JUST is up 15.24% versus a gain of 23.31% for SCHD.

Over three years, JUST compounded at +21.23% per year against +14.66% for SCHD; over five years the annualized figures are +12.83% and +9.59% respectively. Across the full 8-year window we track, JUST has the edge at +14.17% annualized vs +11.34%. Past performance does not guarantee future results.

JUST has been the more volatile fund, with annualized monthly volatility of 16.8% compared with 13.6% for SCHD. 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 -33.8% for JUST 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 0.83. They usually move together, but the gap leaves some room for diversification.

JUST charges 0.20% per year while SCHD charges 0.06%. On a $10,000 position that is $20 vs $6 annually, a gap of $14 per year that compounds over a long holding period. On income, JUST currently yields 0.96% against 3.31% for SCHD.