SCCR vs VTI
Schwab Core Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SCCR | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.16% | 0.03% | |
| AUM | $1.7B | $666.9B | |
| Dividend Yield | 4.72% | 1.07% | |
| Holdings | 550 | 3,543 | |
| YTD Return | -0.08% | +14.82% | |
| 1Y Return | +2.62% | +22.43% | |
| 3Y Return (annualized) | - | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 3.1% | 15.4% | |
| Max Drawdown | -2.8% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Feb 5, 2025 | May 24, 2001 |
SCCR vs VTI Performance
Schwab Core Bond ETF (SCCR) is a ETF from Charles Schwab Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SCCR returned +2.62% while VTI returned +22.43%. Year to date, SCCR is down 0.08% versus a gain of 14.82% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% 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 -56.6% for VTI. 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 VTI 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 1.07% for VTI.
Holdings Overlap
SCCR and VTI share 0 holdings out of 2793 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCCR or VTI?
SCCR has an expense ratio of 0.16% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $13 per year of difference.
Which performed better, SCCR or VTI?
Over the past year SCCR returned +2.62% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SCCR annualized +4.20% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, SCCR or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 3.1% for SCCR. Worst drawdown: SCCR -2.8% vs VTI -56.6%.
Should I hold both SCCR and VTI?
SCCR and VTI 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 VTI?
SCCR and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2793 unique securities.
Which pays a higher dividend, SCCR or VTI?
SCCR yields 4.72% while VTI yields 1.07%, so SCCR currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.