ETF Overview Summary
IDV – iShares International Select Dividend ETF
• Expense Ratio: 0.49%
• Dividend Yield (TTM): 5.40%
• 5-Year CAGR: 13.0%
• AUM: $4.7 billion
• ETF Type: International
NOBL – ProShares S&P 500 Dividend Aristocrats ETF
• Expense Ratio: 0.35%
• Dividend Yield (TTM): 2.11%
• 5-Year CAGR: 8.0%+
• AUM: $11.4 billion
• ETF Type: Domestic
JEPI – JPMorgan Equity Premium Income ETF
• Expense Ratio: 0.35%
• Dividend Yield (TTM): 8.28%
• 5-Year CAGR: N/A
• AUM: $38.6 billion
• ETF Type: Domestic
SCHD – Schwab U.S. Dividend Equity ETF
• Expense Ratio: 0.06%
• Dividend Yield (TTM): 3.87%
• 5-Year CAGR: 11.10%
• AUM: Not specified (typically large, but not listed)
• ETF Type: Domestic
VYMI – Vanguard International High Dividend Yield ETF
• Expense Ratio: 0.17%
• Dividend Yield (TTM): 4.18%
• 5-Year CAGR: N/A
• AUM: $10.8 billion
• ETF Type: International
📈 Performance Metrics vs S&P 500 (SPY)
IDV
• 1Y Return: +21.7%
• 3Y CAGR: +9.5%
• 5Y CAGR: +13.0%
• Volatility: High
• Max Drawdown: -30.6%
• Sharpe Ratio: 0.37
NOBL
• 1Y Return: +4.75%
• 3Y CAGR: N/A
• 5Y CAGR: 8%+
• Volatility: Low
• Max Drawdown: -33.37%
• Sharpe Ratio: 0.67
JEPI
• 1Y Return: +9.76%
• 3Y CAGR: +11.44%
• 5Y CAGR: N/A
• Volatility: Low
• Max Drawdown: -13.71%
• Sharpe Ratio: 0.64
SCHD
• 1Y Return: +7.14%
• 3Y CAGR: +13.08%
• 5Y CAGR: +11.10%
• Volatility: Medium
• Max Drawdown: -33.37%
• Sharpe Ratio: 0.37
VYMI
• 1Y Return: +17.14%
• 3Y CAGR: N/A
• 5Y CAGR: N/A
• Volatility: Medium
• Max Drawdown: N/A
• Sharpe Ratio: 0.72
SPY (Benchmark)
• 1Y Return: +23% (2024)
• 3Y CAGR: ~15% (est.)
• 5Y CAGR: ~14% (est.)
• Volatility: Medium
• Max Drawdown: -25% (2022)
• Sharpe Ratio: 0.85+
Key Observations:
• JEPI has the lowest drawdown (-13.71%) due to options hedging.
• VYMI outperformed SPY YTD 2025 (+10% vs SPY’s +7%).
• SCHD underperforms SPY in bull markets but excels in downturns.
💼 Holdings and Sector Exposure
IDV (International)
Top 10 Holdings: 27.34% in top 10 (not individually specified)
Sectors: Financials (dominant), Energy, Utilities
Countries: UK (25%), Australia (15%), Europe (35%)
NOBL (Domestic)
Top 5 Holdings: Emerson Electric (1.84%), Caterpillar (1.81%), Franklin Resources (1.79%), Cardinal Health (1.72%), IBM (1.66%)
Sectors: Industrials (35%), Financials (20%), Healthcare (15%)
JEPI (Domestic)
Top 5 Holdings: Meta (1.72%), Microsoft (1.68%), Oracle (1.66%), NVIDIA (1.62%), Amazon (1.60%)
Sectors: Tech (30%), Financials (25%), Healthcare (15%)
SCHD (Domestic)
Top 5 Holdings: Texas Instruments (4.22%), Cisco (4.18%), ConocoPhillips (4.13%), Chevron (4.11%), Merck (3.93%)
Sectors: Industrials (25%), Financials (20%), Energy (18%)
VYMI (International)
Top Holdings: Shell, Novartis, Nestlé (top positions)
Sectors: Financials (23%), Materials (15%), Healthcare (12%)
Countries: Europe (40%), Asia (30%), Emerging Markets (15%)
⚠️ Investment Risks
IDV
Interest Rate Risk: Moderate
Sector Concentration: High (Financials)
Options Risk: None
Currency Risk: High
Dividend Sustainability: Questionable (5.4% yield, low growth)
NOBL
Interest Rate Risk: Low
Sector Concentration: Medium
Options Risk: None
Currency Risk: None
Dividend Sustainability: Strong (25+ years of growth)
JEPI
Interest Rate Risk: Low
Sector Concentration: Low
Options Risk: High (options strategy)
Currency Risk: None
Dividend Sustainability: Moderate (payout ratio 196%)
SCHD
Interest Rate Risk: Moderate
Sector Concentration: Medium
Options Risk: None
Currency Risk: None
Dividend Sustainability: Strong (3.87% yield, 11% growth)
VYMI
Interest Rate Risk: Moderate
Sector Concentration: High (Financials)
Options Risk: None
Currency Risk: High
Dividend Sustainability: Stable (4.18% yield, earnings growth 13.1%)
Critical Risks:
JEPI’s options strategy may cap upside during rallies.
IDV and VYMI face currency fluctuations (strong USD erodes returns).
SCHD’s 28.75% turnover increases trading costs.
📊 Dividend & Reward Profile
IDV
Yield (TTM): 5.40%
3-Yr Growth: 14.02%; 5-Yr Growth: 5.09%
Tax Efficiency: Non-qualified dividends
NOBL
Yield (TTM): 2.11%
3-Yr Growth: 5.57% ; 5-Yr Growth: 7.41%
Tax Efficiency: Qualified dividends
JEPI
Yield (TTM): 8.28%
3-Yr Growth: 0.76% ;5-Yr Growth: N/A
Tax Efficiency: Non-qualified dividends
SCHD
Yield (TTM): 3.87%
3-Yr Growth: 5.09% ;5-Yr Growth: 7.25%
Tax Efficiency: Qualified dividends
VYMI
Yield (TTM): 4.18%
3-Yr Growth: N/A ; 5-Yr Growth: N/A
Tax Efficiency: Non-qualified dividends
Total Return Potential:
SCHD: 11.10% 5Y CAGR (balanced growth + income)
VYMI: 10% YTD 2025 (outperforms in volatile markets)
JEPI: 7.12% SEC yield (prioritizes income over growth)
💸 Fees and Charges
Expense Ratios:
Lowest: SCHD (0.06%)
Highest: IDV (0.49%), JEPI (0.35%)
Competitive: VYMI (0.17%), NOBL (0.35%)
Tax Efficiency:
U.S. ETFs (NOBL, SCHD): Qualified dividends (lower taxes)
International ETFs (IDV, VYMI): Non-qualified dividends (higher taxes)
JEPI: Non-qualified dividends due to options income
Turnover Ratios:
SCHD: 28.75% (higher trading costs)
Others: Likely <20% for index funds
✅ Pros & Cons Comparison
IDV
Strengths: High yield (5.4%), global diversification
Drawbacks: Currency risk, weak long-term returns
Best Use-Case: Tactical income allocation
NOBL
Strengths: Dividend consistency, low volatility
Drawbacks: Low yield (2.11%), concentration risk
Best Use-Case: Defensive core holding
JEPI
Strengths: High monthly income (8.28%), low drawdown
Drawbacks: Options risk, capped upside
Best Use-Case: Retirement income
SCHD
Strengths: Low fees, strong growth + yield balance
Drawbacks: Underperforms in bull markets
Best Use-Case: Long-term dividend growth
VYMI
Strengths: Low cost (0.17%), emerging market exposure
Drawbacks: Sector concentration, currency risk
Best Use-Case: Global diversification
🏆 Best Pick for Long-Term Investing
Recommendations:
SCHD: Lowest fees (0.06%), strong dividend growth (7.25% 5Y), tax efficiency. Ideal for core U.S. dividend growth.
VYMI: Low cost (0.17%), 4.18% yield, recession-resistant holdings. Ideal for hedging against U.S. market volatility.
JEPI: 8.28% yield with lower volatility, suitable for income-focused portfolios.
Optimal Allocation:
60% SCHD (U.S. stability + growth)
25% VYMI (global diversification)
15% JEPI (enhanced income)
Why this mix?
Balances qualified dividends (SCHD) with non-qualified (VYMI/JEPI) for tax flexibility.
Combines SCHD’s growth, VYMI’s emerging market access, and JEPI’s income.
Outperformed SPY in 2025 YTD with lower collective drawdown.