SCHA vs VOO
Schwab US Small-Cap ETF vs Vanguard S&P 500 ETF
Quick Verdict
SCHA delivered stronger 1-year returns. SCHA offers more diversification with 1550 holdings.
Side-by-Side Comparison
| Metric | SCHA | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $22.4B | $979.0B | |
| Dividend Yield | 0.99% | 1.09% | |
| Holdings | 1,734 | 509 | |
| YTD Return | +22.39% | +13.72% | |
| 1Y Return | +34.49% | +21.63% | |
| 3Y Return (annualized) | +18.01% | +21.55% | |
| 5Y Return (annualized) | +7.99% | +13.26% | |
| Volatility (annualized) | 19.3% | 14.1% | |
| Max Drawdown | -43.0% | -34.3% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 3, 2009 | Sep 7, 2010 |
SCHA vs VOO Performance
Schwab US Small-Cap ETF (SCHA) 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 SCHA returned +34.49% while VOO returned +21.63%. Year to date, SCHA is up 22.39% versus a gain of 13.72% for VOO.
Over three years, SCHA compounded at +18.01% per year against +21.55% for VOO; over five years the annualized figures are +7.99% and +13.26% respectively. Across the full 16-year window we track, VOO has the edge at +13.56% annualized vs +11.44%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHA has been the more volatile fund, with annualized monthly volatility of 19.3% compared with 14.1% for VOO. 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 -43.0% for SCHA 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 0.88. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHA charges 0.03% per year while VOO charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCHA currently yields 0.99% against 1.09% for VOO.
Holdings Overlap
SCHA and VOO share 4 holdings out of 2051 unique holdings combined, representing a 0.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHA or VOO?
SCHA has an expense ratio of 0.03% while VOO charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, SCHA or VOO?
Over the past year SCHA returned +34.49% vs +21.63% for VOO, so SCHA leads on 1-year performance. Over the longest common window we track (16 years), SCHA annualized +11.44% vs +13.56% for VOO. Past performance does not guarantee future results.
Which is riskier, SCHA or VOO?
SCHA has been the more volatile fund at 19.3% annualized versus 14.1% for VOO. Worst drawdown: SCHA -43.0% vs VOO -34.3%.
Should I hold both SCHA and VOO?
SCHA and VOO have a monthly-return correlation of 0.88, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHA and VOO?
SCHA and VOO share 4 common holdings with a 0.6% weight overlap. Combined, they hold 2051 unique securities.
Which pays a higher dividend, SCHA or VOO?
SCHA yields 0.99% while VOO yields 1.09%, so VOO currently pays the higher dividend yield.
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