SCHD vs VCRB
Schwab US Dividend Equity ETF vs Vanguard Core Bond ETF
Which is better, SCHD or VCRB?
Large Cap Value against Intermediate Term Bond.
SCHD has a lower expense ratio. SCHD 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 | SCHD | VCRB |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.10% |
| AUM | $108.9B | $7.7B |
| Dividend Yield | 3.00% | 4.69% |
| Holdings | 206 | 6,896 |
| YTD Return | +20.89%Best | -2.56% |
| 1Y Return | +23.87%Best | -2.00% |
| 3Y Return (annualized) | +16.42% | - |
| 5Y Return (annualized) | +9.40% | - |
| Volatility (annualized) | 13.1% | 4.5%Best |
| Max Drawdown | -16.1% | -4.4%Best |
| $10,000 over 2.8 years | $14,319Best | $10,833 |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Intermediate Term Bond |
| Inception | Oct 20, 2011 | Dec 12, 2023 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 2.8 years row, are measured over the window both funds cover: Dec 14, 2023 to Oct 2, 2026 (2.8 years).
SCHD vs VCRB 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 2.8 years both funds cover.
SCHD vs VCRB Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Vanguard Core Bond ETF (VCRB) is an ETF from Vanguard (US). Over the past year SCHD returned +23.87% while VCRB returned -2.00%. Year to date, SCHD is up 20.89% versus a loss of 2.56% for VCRB.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.1% compared with 4.5% for VCRB. 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 -16.1% for SCHD and -4.4% for VCRB. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.49. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while VCRB charges 0.10%. On a $10,000 position that is $6 vs $10 annually, a gap of $4 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 4.69% for VCRB.
Holdings Overlap
We hold position weights for 99 holdings in SCHD and 698 in VCRB, totalling 100.0% and 34.6% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 99 positions we hold weights for in SCHD and 698 in VCRB, against full books of 206 and 6,896.
You are not choosing between two funds in isolation.
Whichever of SCHD and VCRB you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or VCRB?
SCHD has an expense ratio of 0.06% while VCRB charges 0.10%. SCHD is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, SCHD or VCRB?
Over the past year SCHD returned +23.87% vs -2.00% for VCRB, so SCHD leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or VCRB?
SCHD has been the more volatile fund at 13.1% annualized versus 4.5% for VCRB. Worst drawdown: SCHD -16.1% vs VCRB -4.4%.
Should I hold both SCHD and VCRB?
SCHD and VCRB have a monthly-return correlation of 0.49, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or VCRB?
SCHD yields 3.00% while VCRB yields 4.69%, so VCRB currently pays the higher dividend yield.
Is VCRB better than SCHD?
SCHD has a lower expense ratio. SCHD 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.