SCCR vs VTI
Schwab Core Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SCCR or VTI?
Investment Grade Bond against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SCCR | VTI |
|---|---|---|
| Expense Ratio | 0.16% | 0.03%Best |
| AUM | $1.8B | $666.9B |
| Dividend Yield | 4.71% | 1.03% |
| Holdings | 549 | 3,543 |
| YTD Return | -1.47% | +11.06%Best |
| 1Y Return | -0.78% | +15.41%Best |
| 3Y Return (annualized) | - | +20.48% |
| 5Y Return (annualized) | - | +11.52% |
| Volatility (annualized) | 3.3%Best | 13.3% |
| Max Drawdown | -3.4%Best | -19.3% |
| $10,000 over 1.6 years | $10,492 | $12,586Best |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | Investment Grade Bond | Large Cap Blend |
| Inception | Feb 5, 2025 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 1.6 years row, are measured over the window both funds cover: Feb 5, 2025 to Sep 16, 2026 (1.6 years).
SCCR vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.6 years both funds cover.
SCCR vs VTI Performance
Schwab Core Bond ETF (SCCR) is an ETF from Charles Schwab Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SCCR returned -0.78% while VTI returned +15.41%. Year to date, SCCR is down 1.47% versus a gain of 11.06% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.3% compared with 3.3% 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 -3.4% for SCCR and -19.3% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.33. They move together some of the time, and apart the rest.
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 4.71% against 1.03% for VTI.
Holdings Overlap
At least 23.4% of VTI's money is in holdings SCCR also owns.
Stated as a floor: for SCCR, our book for it covers 20.4% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
VTI and SCCR share little of their money.
34 positions in common, counted across the 60 positions we hold weights for in SCCR and 3,463 in VTI, against full books of 549 and 3,543.
Top Shared Holdings
| Stock | Weight in SCCR | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 0.27% | 6.40% | 6.13% |
| AMZNAmazon.Com Inc | 0.39% | 3.65% | 3.26% |
| AVGOBroadcom Inc | 0.50% | 2.56% | 2.06% |
| GOOGAlphabet Inc | 0.21% | 2.31% | 2.10% |
| METAMeta Platforms Inc | 0.31% | 1.70% | 1.39% |
| JPMJpmorgan Chase | 0.55% | 1.31% | 0.76% |
| ABBVAbbvie Inc. | 0.44% | 0.61% | 0.17% |
| GSGoldman Sachs Group Inc/The | 0.61% | 0.40% | 0.21% |
| CCitigroup Inc. | 0.69% | 0.30% | 0.39% |
| MSMorgan Stanley | 0.63% | 0.35% | 0.28% |
23.4% of VTI is already inside SCCR.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
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, by $13 a year on a $10,000 investment.
Which performed better, SCCR or VTI?
Over the past year SCCR returned -0.78% vs +15.41% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), SCCR annualized +3.05% vs +15.46% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCCR or VTI?
VTI has been the more volatile fund at 13.3% annualized versus 3.3% for SCCR. Worst drawdown: SCCR -3.4% vs VTI -19.3%.
Should I hold both SCCR and VTI?
SCCR and VTI have a monthly-return correlation of 0.33, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCCR and VTI?
At least 23.4% of VTI's money is in holdings SCCR also owns. Our book for SCCR is partial, so the real figure is this or higher. They hold 34 positions in common, counted across the 60 positions we hold weights for in SCCR and 3,463 in VTI.
Which pays a higher dividend, SCCR or VTI?
SCCR yields 4.71% while VTI yields 1.03%, so SCCR currently pays the higher dividend yield.
Is VTI better than SCCR?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.