SCCR vs SPY
Schwab Core Bond ETF vs State Street SPDR S&P 500 ETF Trust
Quick Verdict
SPY has a lower expense ratio. SPY delivered stronger 1-year returns. SCCR offers more diversification with 534 holdings.
Side-by-Side Comparison
| Metric | SCCR | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 0.16% | 0.09% | |
| AUM | $1.5B | $789.1B | |
| Dividend Yield | 4.62% | 1.01% | |
| Holdings | 534 | 505 | |
| YTD Return | -0.17% | +14.47% | |
| 1Y Return | +2.46% | +21.96% | |
| 3Y Return (annualized) | - | +21.70% | |
| 5Y Return (annualized) | - | +13.30% | |
| Volatility (annualized) | 3.1% | 15.3% | |
| Max Drawdown | -2.8% | -56.5% | |
| Fund Family | Charles Schwab Asset Management | State Street Investment Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 5, 2025 | Jan 22, 1993 |
SCCR vs SPY Performance
Schwab Core Bond ETF (SCCR) is a ETF from Charles Schwab Asset Management and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year SCCR returned +2.46% while SPY returned +21.96%. Year to date, SCCR is down 0.17% versus a gain of 14.47% for SPY.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.1% for SCCR. 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 -2.8% for SCCR and -56.5% for SPY. 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 0.25. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCCR charges 0.16% per year while SPY charges 0.09%. On a $10,000 position that is $16 vs $9 annually, a gap of $7 per year that compounds over a long holding period. On income, SCCR currently yields 4.62% against 1.01% for SPY.
Frequently Asked Questions
Which is cheaper, SCCR or SPY?
SCCR has an expense ratio of 0.16% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $7 per year of difference.
Which performed better, SCCR or SPY?
Over the past year SCCR returned +2.46% vs +21.96% for SPY, so SPY leads on 1-year performance. Over the longest common window we track (2 years), SCCR annualized +4.14% vs +8.87% for SPY. Past performance does not guarantee future results.
Which is riskier, SCCR or SPY?
SPY has been the more volatile fund at 15.3% annualized versus 3.1% for SCCR. Worst drawdown: SCCR -2.8% vs SPY -56.5%.
Should I hold both SCCR and SPY?
SCCR and SPY have a monthly-return correlation of 0.25, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, SCCR or SPY?
SCCR yields 4.62% while SPY yields 1.01%, so SCCR currently pays the higher dividend yield.
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