SCHD vs JEPI ⏳ SCHD → JEPI

SCHD vs JEPI: Dividend Yield, Expense Ratio & Monthly Income Comparison

Last Updated: Nov 13, 2026

Head-to-head comparison between Schwab U.S. Dividend Equity ETF (SCHD) and JPMorgan Equity Premium Income ETF (JEPI), including an interactive monthly dividend calculator.

🏆 Higher Yield Winner: JEPI (7.86%)
💰 Lower Fee Winner: SCHD (0.06%)

SCHD US · SCHD

Schwab U.S. Dividend Equity ETF

Dividend Yield (Gross) 2.94%
After-Tax Effective Yield (15% Est.) 2.50%
Expense Ratio (TER) 0.06%
10-Yr Cumulative Fee (on $100k) ~$600
Payout Frequency Quarterly
Share Price $35.93
Strategy Category Dividend Growth
Top Holdings / Core Exposure:
Texas Instruments Incorporated The Procter & Gamble Company The Home Depot, Inc. The Coca-Cola Company Amgen Inc.

JEPI US · JEPI

JPMorgan Equity Premium Income ETF

Dividend Yield (Gross) 7.86%
After-Tax Effective Yield (15% Est.) 6.68%
Expense Ratio (TER) 0.35%
10-Yr Cumulative Fee (on $100k) ~$3,500
Payout Frequency Monthly
Share Price $58.04
Strategy Category Covered Call / Monthly Income
Top Holdings / Core Exposure:
Mastercard Incorporated Apple Inc. Microsoft Corporation Amazon.com, Inc. 3M Company

⚠️ High-Yield & Covered Call Upside Cap Analysis

This matchup includes a high-yield or covered call strategy (>5% yield). While it generates strong immediate monthly cash flow, option-writing strategies can cap upside participation during strong bull markets.

📈 Ultra-Low Fee (Low-TER) 10-Year Compounding Edge

Includes an ultra-low-cost index fund (<0.10% TER). Over a 10-to-20-year horizon, minimizing fee drag preserves more capital for automatic dividend reinvestment (DRIP).

Investment Capital: $10,000
Strategy:
Dividend Tax:
Currency:
Time Horizon:
SCHD Final Balance
$25,765
CAGR 15.46% (+157.7%)
JEPI Final Balance
$19,582
CAGR 10.75% (+95.8%)

Asset Growth Chart (SVG)

📊 Portfolio Performance Statistics

Metric SCHD JEPI
Start Balance $10,000 $10,000
End Balance $25,765 $19,582
Annualized Return (CAGR) 15.46% 10.75%
Annualized Volatility (StDev) 15.21% 10.58%
Best Year 27.23% 18.35%
Worst Year 2.06% 1.00%
Maximum Drawdown (MDD) -15.67% -12.88%
Sharpe Ratio (Rf=2%) 0.88 0.83
Sortino Ratio 1.69 1.31
Total Dividends Received $3,755 $8,044

📅 Annual Returns & Asset Growth History

Year SCHD Return JEPI Return SCHD Annual Dividends JEPI Annual Dividends
2026 +23.45% +5.84% $548 $1,226
2025 +11.38% +7.91% $716 $1,426
2024 +12.45% +12.85% $655 $1,178
2023 +3.16% +11.76% $563 $1,192
2022 +2.06% +1.00% $523 $1,485
2021 +27.23% +18.35% $445 $890
2020 +24.40% +13.73% $305 $647

💡 Investment Decision Guide

Schwab U.S. Dividend Equity ETF: Tracks the Dow Jones U.S. Dividend 100 Index, focusing on high-quality U.S. companies with at least 10 consecutive years of dividend payments and strong fundamental metrics.

JPMorgan Equity Premium Income ETF: Combines a defensive, low-volatility S&P 500 equity portfolio with out-of-the-money S&P 500 index options (ELNs) to generate high monthly distributable income.

❓ Frequently Asked Questions (FAQ)

Q. Which offers a higher yield, SCHD or JEPI?

SCHD offers 2.94% vs JEPI at 7.86%, making JEPI higher yielding.

Q. How do expense ratios compare between SCHD and JEPI?

SCHD charges 0.06% vs JEPI at 0.35%. SCHD has lower holding costs.

🔗 Related Analyses & Simulators