JEPI vs SCHD Stock Comparison: AI Score, Valuation, Performance and Upside
JEPI and SCHD serve very different income strategies. JEPI maximizes current income (7-10% monthly) at the cost of equity upside, higher fees, and variable distribution rates. SCHD offers lower current yield (3-4%) that grows significantly over time, full equity upside, and much lower costs. JEPI is for investors who need maximum income today; SCHD is for investors building growing income over the long term.
JEPI and SCHD represent different income philosophies — maximum yield today (JEPI) versus growing yield over time (SCHD) — investors must determine which income profile matches their financial situation and time horizon.
SCHD holds the edge across 3 of 5 key metrics in this comparison. SCHD has delivered stronger 1-year price return (+31.74% vs +10.44% for JEPI).
- →need maximum monthly income immediately — retirees or near-retirees living off portfolio distributions
- →are comfortable with capped equity upside in exchange for 7-10% yield
- →value monthly income payments for budgeting and cash flow management
- →want some equity exposure with reduced volatility versus pure equity ETFs
- →want income that grows at 11-13% annually, eventually exceeding JEPI's yield on original investment
- →prefer full equity market upside participation without covered call limitations
- →value low 0.06% expense ratio for cost-efficient dividend growth compounding
- →are 10+ years from needing maximum income and can wait for dividends to grow
| Metric | JEPI | SCHD |
|---|---|---|
| ETF score | 61.0 | 85.0 |
| Latest close | $57.33 | $33.81 |
| 1M return | +1.73% | +4.40% |
| 6M return | +2.27% | +14.58% |
| 1Y return | +10.44% | +31.74% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | JEPI | SCHD |
|---|---|---|
| 1Y ago | $12K (+20.0%) started 2025-08-04 | $13.66K (+36.6%) started 2025-08-04 |
| 5Y ago | $24.53K (+145.3%) started 2021-08-04 | $19.41K (+94.1%) started 2021-08-04 |
| 10Y ago | $39.14K (+291.4%) started 2020-05-21 | $49.77K (+397.7%) started 2016-08-04 |
Hypothetical — past performance does not guarantee future results.
| Metric | JEPI | SCHD |
|---|---|---|
| Expense ratio | 0.35% | 0.06% |
| Total assets (AUM) | $44.75B | $95.73B |
| Dividend yield | 8.11% | 3.30% |
| Trailing P/E | 27.21 | 19.51 |
| Beta | 0.54 | 0.70 |
| 52-week change | 10.44% | 31.74% |
| Metric | JEPI | SCHD |
|---|---|---|
| 1Y return | +10.44% | +31.74% |
| 6M return | +2.27% | +14.58% |
| 1M return | +1.73% | +4.40% |
| 1Y Sharpe ratio | 0.72 | 2.16 |
| Beta | 0.54 | 0.70 |
| Dividend yield | 8.11% | 3.30% |
| 5Y CAGR | +7.49% | +9.83% |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | JEPI | SCHD |
|---|---|---|---|
| 1Y | Growth | +10.44% | +31.74% |
| CAGR | +10.45% | +31.77% | |
| Sharpe ratio | 0.72 | 2.16 | |
| Max drawdown | 6.68% | 4.61% | |
| Max daily drop | 1.61% | 1.84% | |
| Max wkly drop | 2.46% | 3.17% | |
| 5Y | Growth | +43.48% | +59.77% |
| CAGR | +7.49% | +9.83% | |
| Sharpe ratio | 0.30 | 0.41 | |
| Max drawdown | 13.71% | 16.84% | |
| Max daily drop | 5.56% | 5.42% | |
| Max wkly drop | 9.92% | 12.74% | |
| 10Y | Growth | +95.20% | +234.98% |
| CAGR | +11.38% | +12.85% | |
| Sharpe ratio | 0.64 | 0.54 | |
| Max drawdown | 13.71% | 33.37% | |
| Max daily drop | 5.56% | 9.95% | |
| Max wkly drop | 9.92% | 18.00% |
| Category | JEPI | SCHD |
|---|---|---|
| Fund name | JPMorgan Equity Premium Income ETF | Schwab U.S. Dividend Equity ETF |
| Type | ETF | ETF |
| Expense ratio | 0.35% | 0.06% |
| Total assets (AUM) | $44.75B | $95.73B |
| Dividend yield | 8.11% | 3.30% |
- →7-10% annual yield paid monthly appeals to retirees and income-focused investors
- →Lower volatility stock selection provides some portfolio stability in down markets
- →Covered call premium provides income even in flat or sideways markets
- →Dividend growth of 11-13% annually compounds income significantly for long-term holders
- →Full equity upside participation unlike JEPI's capped covered call structure
- →0.06% expense ratio is 5.8x lower than JEPI's 0.35%
- →Capped upside — JEPI significantly underperforms pure equity ETFs in strong bull markets
- →0.35% expense ratio is significantly higher than SCHD's 0.06%
- →Yield is variable — distributions can decrease when options premiums fall in low-volatility markets
- →Lower current yield (3-4%) than JEPI's 7-10% for investors who need immediate high income
- →Quarterly rather than monthly distribution for investors who prefer monthly income cadence
- →More volatile than JEPI's lower-volatility stock selection approach
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