SCHD vs VGT
Schwab US Dividend Equity ETF vs Vanguard Information Technology ETF
Which is better, SCHD or VGT?
Large Cap Value against Large Cap Growth.
SCHD has a lower expense ratio. VGT led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 62.4%.
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 | VGT |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.09% |
| AUM | $112.1B | $160.6B |
| Dividend Yield | 3.00% | 0.36% |
| Holdings | 103 | 324 |
| YTD Return | +25.88% | +26.39%Best |
| 1Y Return | +30.22% | +31.78%Best |
| 3Y Return (annualized) | +16.05% | +31.54%Best |
| 5Y Return (annualized) | +10.17% | +18.58%Best |
| Volatility (annualized) | 13.6%Best | 18.9% |
| Max Drawdown | -33.4%Best | -35.1% |
| $10,000 over 5 years | $16,230 | $23,445Best |
| Top 10 Weight | 41.8%Best | 62.4% |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Growth |
| Inception | Oct 20, 2011 | Jan 26, 2004 |
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 14, 2026 (14.9 years).
SCHD vs VGT 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 14.9 years both funds cover.
SCHD vs VGT Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Vanguard Information Technology ETF (VGT) is an ETF from Vanguard (US). Over the past year SCHD returned +30.22% while VGT returned +31.78%. Year to date, SCHD is up 25.88% versus a gain of 26.39% for VGT.
Over three years, SCHD compounded at +16.05% per year against +31.54% for VGT; over five years the annualized figures are +10.17% and +18.58% respectively. Across the full 15-year window we track, VGT has the edge at +20.52% annualized vs +11.41%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VGT has been the more volatile fund, with annualized monthly volatility of 18.9% compared with 13.6% for SCHD. 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 -33.4% for SCHD and -35.1% for VGT. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.62. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while VGT charges 0.09%. On a $10,000 position that is $6 vs $9 annually, a gap of $3 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 0.36% for VGT.
Holdings Overlap
8.7% of SCHD's money is in holdings VGT also owns. 2.3% of VGT's money is in holdings SCHD also owns.
SCHD and VGT share little of their money.
4 positions in common, counted across the 100 positions we hold weights for in SCHD and 316 in VGT, against full books of 103 and 324.
What only one of them owns
Our book lists 276 positions for VGT that do not appear in our book for SCHD (97.2% of the fund), and 95 for SCHD that do not appear in VGT (91.2%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of SCHD and VGT 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 VGT?
SCHD has an expense ratio of 0.06% while VGT charges 0.09%. SCHD is the cheaper option, by $3 a year on a $10,000 investment.
Which performed better, SCHD or VGT?
Over the past year SCHD returned +30.22% vs +31.78% for VGT, so VGT leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.41% vs +20.52% for VGT. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or VGT?
VGT has been the more volatile fund at 18.9% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs VGT -35.1%.
Should I hold both SCHD and VGT?
SCHD and VGT have a monthly-return correlation of 0.62, 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 SCHD and VGT?
8.7% of SCHD's money is in holdings VGT also owns. 2.3% of VGT's is in holdings SCHD also owns. They hold 4 positions in common, counted across the 100 positions we hold weights for in SCHD and 316 in VGT.
Which pays a higher dividend, SCHD or VGT?
SCHD yields 3.00% while VGT yields 0.36%, so SCHD currently pays the higher dividend yield.
Is VGT better than SCHD?
SCHD has a lower expense ratio. VGT led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.8% of the fund in its ten largest positions against 62.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.