SCHD vs VIGI
Schwab US Dividend Equity ETF vs Vanguard International Dividend Appreciation ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. VIGI offers more diversification with 350 holdings.
Side-by-Side Comparison
| Metric | SCHD | VIGI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.07% | |
| AUM | $103.7B | $8.7B | |
| Dividend Yield | 3.31% | 2.14% | |
| Holdings | 104 | 356 | |
| YTD Return | +26.21% | +9.90% | |
| 1Y Return | +29.99% | +14.56% | |
| 3Y Return (annualized) | +15.73% | +12.27% | |
| 5Y Return (annualized) | +9.67% | +5.29% | |
| Volatility (annualized) | 13.6% | 13.4% | |
| Max Drawdown | -33.4% | -31.2% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Feb 25, 2016 |
SCHD vs VIGI Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Vanguard International Dividend Appreciation ETF (VIGI) is a ETF from Vanguard (US). Over the past year SCHD returned +29.99% while VIGI returned +14.56%. Year to date, SCHD is up 26.21% versus a gain of 9.90% for VIGI.
Over three years, SCHD compounded at +15.73% per year against +12.27% for VIGI; over five years the annualized figures are +9.67% and +5.29% respectively. Across the full 10-year window we track, SCHD has the edge at +11.50% annualized vs +8.17%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 13.4% for VIGI. 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 -31.2% for VIGI. 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while VIGI charges 0.07%. On a $10,000 position that is $6 vs $7 annually, a gap of $1 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 2.14% for VIGI.
Holdings Overlap
SCHD and VIGI share 0 holdings out of 450 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or VIGI?
SCHD has an expense ratio of 0.06% while VIGI charges 0.07%. SCHD is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, SCHD or VIGI?
Over the past year SCHD returned +29.99% vs +14.56% for VIGI, so SCHD leads on 1-year performance. Over the longest common window we track (10 years), SCHD annualized +11.50% vs +8.17% for VIGI. Past performance does not guarantee future results.
Which is riskier, SCHD or VIGI?
SCHD has been the more volatile fund at 13.6% annualized versus 13.4% for VIGI. Worst drawdown: SCHD -33.4% vs VIGI -31.2%.
Should I hold both SCHD and VIGI?
SCHD and VIGI have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and VIGI?
SCHD and VIGI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 450 unique securities.
Which pays a higher dividend, SCHD or VIGI?
SCHD yields 3.31% while VIGI yields 2.14%, so SCHD currently pays the higher dividend yield.
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