SCHD vs VBCJ
Schwab US Dividend Equity ETF vs Vanguard Target Maturity 2036 Corporate Bond ETF
Quick Verdict
SCHD has a lower expense ratio. VBCJ offers more diversification with 187 holdings.
Side-by-Side Comparison
| Metric | SCHD | VBCJ | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.08% | |
| AUM | $112.2B | $12M | |
| Dividend Yield | 3.13% | 1.32% | |
| Holdings | 103 | 187 | |
| YTD Return | +27.89% | +0.52% | |
| 1Y Return | +29.93% | - | |
| 3Y Return (annualized) | +16.13% | - | |
| 5Y Return (annualized) | +10.00% | - | |
| Volatility (annualized) | 13.6% | - | |
| Max Drawdown | -33.4% | -2.5% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Mar 10, 2026 |
SCHD vs VBCJ Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Vanguard Target Maturity 2036 Corporate Bond ETF (VBCJ) is a ETF from Vanguard (US). Year to date, SCHD is up 27.89% versus a gain of 0.52% for VBCJ.
Risk: Volatility and Drawdowns
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -2.5% for VBCJ. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
Fees and Cost Over Time
SCHD charges 0.06% per year while VBCJ charges 0.08%. On a $10,000 position that is $6 vs $8 annually, a gap of $2 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 1.32% for VBCJ.
Holdings Overlap
SCHD and VBCJ share 10 holdings out of 187 unique holdings combined, representing a 2.8% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or VBCJ?
SCHD has an expense ratio of 0.06% while VBCJ charges 0.08%. SCHD is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
What is the holdings overlap between SCHD and VBCJ?
SCHD and VBCJ share 10 common holdings with a 2.8% weight overlap. Combined, they hold 187 unique securities.
Which pays a higher dividend, SCHD or VBCJ?
SCHD yields 3.13% while VBCJ yields 1.32%, so SCHD currently pays the higher dividend yield.
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