SCCR vs VOO
Schwab Core Bond ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. VOO delivered stronger 1-year returns. SCCR offers more diversification with 549 holdings.
Side-by-Side Comparison
| Metric | SCCR | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.16% | 0.03% | |
| AUM | $1.8B | $997.4B | |
| Dividend Yield | 4.72% | 1.08% | |
| Holdings | 549 | 509 | |
| YTD Return | -0.40% | +12.63% | |
| 1Y Return | +2.30% | +20.89% | |
| 3Y Return (annualized) | - | +21.06% | |
| 5Y Return (annualized) | - | +12.62% | |
| Volatility (annualized) | 3.1% | 14.1% | |
| Max Drawdown | -2.8% | -34.3% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 5, 2025 | Sep 7, 2010 |
SCCR vs VOO Performance
Schwab Core Bond ETF (SCCR) is a ETF from Charles Schwab Asset Management and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year SCCR returned +2.30% while VOO returned +20.89%. Year to date, SCCR is down 0.40% versus a gain of 12.63% for VOO.
Risk: Volatility and Drawdowns
VOO has been the more volatile fund, with annualized monthly volatility of 14.1% 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 -34.3% for VOO. 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 0.28. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCCR charges 0.16% per year while VOO charges 0.03%. On a $10,000 position that is $16 vs $3 annually, a gap of $13 per year that compounds over a long holding period. On income, SCCR currently yields 4.72% against 1.08% for VOO.
Holdings Overlap
SCCR and VOO share 1 holdings out of 850 unique holdings combined, representing a 0.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCCR | Weight in VOO | Difference |
|---|---|---|---|
| GE | 0.28% | 0.60% | 0.32% |
Frequently Asked Questions
Which is cheaper, SCCR or VOO?
SCCR has an expense ratio of 0.16% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, SCCR or VOO?
Over the past year SCCR returned +2.30% vs +20.89% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (2 years), SCCR annualized +3.84% vs +13.44% for VOO. Past performance does not guarantee future results.
Which is riskier, SCCR or VOO?
VOO has been the more volatile fund at 14.1% annualized versus 3.1% for SCCR. Worst drawdown: SCCR -2.8% vs VOO -34.3%.
Should I hold both SCCR and VOO?
SCCR and VOO have a monthly-return correlation of 0.28, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCCR and VOO?
SCCR and VOO share 1 common holdings with a 0.3% weight overlap. Combined, they hold 850 unique securities.
Which pays a higher dividend, SCCR or VOO?
SCCR yields 4.72% while VOO yields 1.08%, so SCCR currently pays the higher dividend yield.
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