JEPI vs SCHD
May 21, 2020 – Sep 23, 2026, JEPI sets the start date
| Final balance | CAGR | Max drawdown | Sharpe ratio | |
|---|---|---|---|---|
| JEPI | $19,391 | 11.01% | −13.71% | 1.04 |
| SCHD | $24,765 | 15.38% | −16.84% | 1.02 |
| JEPI | SCHD | |
|---|---|---|
| Final balance | $19,391 | $24,765 |
| CAGR | 11.01% | 15.38% |
| Max drawdown | −13.71% | −16.84% |
| Sharpe ratio | 1.04 | 1.02 |
Loading the growth chart…
Growth of $10,000
- JEPI
- SCHD
Trailing returns
Annualized past 1Y
| Period | JEPI | SCHD | JEPI − SCHD |
|---|---|---|---|
| YTD | 4.31% | 24.31% | −20.00% |
| 1Y | 7.84% | 26.92% | −19.09% |
| 3Y | 9.86% | 16.04% | −6.18% |
| 5Y | 7.35% | 9.65% | −2.30% |
Metrics
| Return | JEPI | SCHD |
|---|---|---|
| Final balance | $19,391 | $24,765 |
| Total return | 93.91% | 147.65% |
| CAGR | 11.01% | 15.38% |
| Calendar years | JEPI | SCHD |
| Best year | 21.53% | 29.88% |
| Worst year | −3.49% | −3.26% |
| Positive years | 4 of 5 | 4 of 5 |
| Risk | JEPI | SCHD |
| Max drawdown | −13.71% | −16.84% |
| Longest drawdown | 1.2 years | 2 years |
| Volatility (annualized) | 10.65% | 15.13% |
| Risk-adjusted | JEPI | SCHD |
| Sharpe ratio | 1.04 | 1.02 |
| Sortino ratio | 1.48 | 1.51 |
| Calmar ratio | 0.80 | 0.91 |
| Return | JEPI | SCHD |
|---|---|---|
| Final balance | $19,391 | $24,765 |
| Total return | 93.91% | 147.65% |
| CAGR | 11.01% | 15.38% |
| Calendar years | JEPI | SCHD |
| Best year | 21.53% | 29.88% |
| Worst year | −3.49% | −3.26% |
| Positive years | 4 of 5 | 4 of 5 |
| Risk | JEPI | SCHD |
|---|---|---|
| Max drawdown | −13.71% | −16.84% |
| Longest drawdown | 1.2 years | 2 years |
| Volatility (annualized) | 10.65% | 15.13% |
| Risk-adjusted | JEPI | SCHD |
| Sharpe ratio | 1.04 | 1.02 |
| Sortino ratio | 1.48 | 1.51 |
| Calmar ratio | 0.80 | 0.91 |
Worst drawdowns
| Decline | Peak | Bottom | Recovered |
|---|---|---|---|
| −13.7% | Apr 2022 | Sep 2022 | Jun 2023 |
| −13.3% | Feb 2025 | Apr 2025 | Aug 2025 |
| −7.1% | Dec 2021 | Feb 2022 | Apr 2022 |
| −6.7% | Sep 2023 | Oct 2023 | Dec 2023 |
| −6.7% | Feb 2026 | Mar 2026 | Aug 2026 |
| Decline | Peak | Bottom | Recovered |
|---|---|---|---|
| −16.8% | Jan 2022 | Sep 2022 | Dec 2023 |
| −16.1% | Nov 2024 | Apr 2025 | Jan 2026 |
| −10.7% | Jun 2020 | Jun 2020 | Aug 2020 |
| −7.6% | Sep 2020 | Sep 2020 | Oct 2020 |
| −6.9% | Oct 2020 | Oct 2020 | Nov 2020 |
Annual returns
| Year | JEPI | SCHD | JEPI − SCHD |
|---|---|---|---|
| 2020* | +18.61% | +30.18% | −11.56% |
| 2021 | +21.53% | +29.88% | −8.35% |
| 2022 | −3.49% | −3.26% | −0.23% |
| 2023 | +9.82% | +4.54% | +5.28% |
| 2024 | +12.57% | +11.66% | +0.91% |
| 2025 | +8.09% | +4.34% | +3.75% |
| 2026* | +4.31% | +24.31% | −20.00% |
* Partial year
Rolling returns
| Period | JEPI median | SCHD median | More often ahead |
|---|---|---|---|
| 1Y | 9.21% | 8.68% | JEPI 51% |
| 3Y | 9.13% | 7.88% | JEPI 65% |
| 5Y | 9.74% | 9.89% | SCHD 79% |
About JEPI vs SCHD
JEPI is actively managed. It holds large US companies and sells call options on the S&P 500, which brings in extra income but gives up part of the gains when the market rises fast. SCHD is an index fund of dividend-paying stocks. JEPI pays out monthly and SCHD quarterly.
JEPI returned 11.0% a year from May 2020 to Sep 2026, against 15.4% for SCHD. Both fell furthest in 2022, JEPI by 13.7% and SCHD by 16.8%. JEPI beat SCHD in 3 of 5 full years, but SCHD was ahead in 79% of rolling 5-year periods.
Uses daily closing prices with dividends reinvested. Fund fees are included, but not taxes or trading costs. The comparison starts on May 21, 2020, when JEPI's prices begin.