SCHD vs VPC
Schwab US Dividend Equity ETF vs Virtus Private Credit Strategy ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | VPC | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 10.60% | |
| AUM | $103.7B | $30M | |
| Dividend Yield | 3.31% | 17.06% | |
| Holdings | 104 | 59 | |
| YTD Return | +24.26% | -6.49% | |
| 1Y Return | +31.38% | -9.64% | |
| 3Y Return (annualized) | +15.08% | +0.93% | |
| 5Y Return (annualized) | +9.72% | +1.83% | |
| Volatility (annualized) | 13.6% | 20.5% | |
| Max Drawdown | -33.4% | -55.3% | |
| Fund Family | Charles Schwab Asset Management | Virtus Investment Partners | |
| Category | Equity | Allocation/Balanced | |
| Inception | Oct 20, 2011 | Feb 7, 2019 |
SCHD vs VPC Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Virtus Private Credit Strategy ETF (VPC) is a ETF from Virtus Investment Partners. Over the past year SCHD returned +31.38% while VPC returned -9.64%. Year to date, SCHD is up 24.26% versus a loss of 6.49% for VPC.
Over three years, SCHD compounded at +15.08% per year against +0.93% for VPC; over five years the annualized figures are +9.72% and +1.83% respectively. Across the full 8-year window we track, SCHD has the edge at +11.39% annualized vs +1.84%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VPC has been the more volatile fund, with annualized monthly volatility of 20.5% 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 -55.3% for VPC. 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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while VPC charges 10.60%. On a $10,000 position that is $6 vs $1060 annually, a gap of $1054 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 17.06% for VPC.
Holdings Overlap
SCHD and VPC share 0 holdings out of 158 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 VPC?
SCHD has an expense ratio of 0.06% while VPC charges 10.60%. SCHD is the cheaper option. On a $10,000 investment, that is $1054 per year of difference.
Which performed better, SCHD or VPC?
Over the past year SCHD returned +31.38% vs -9.64% for VPC, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), SCHD annualized +11.39% vs +1.84% for VPC. Past performance does not guarantee future results.
Which is riskier, SCHD or VPC?
VPC has been the more volatile fund at 20.5% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs VPC -55.3%.
Should I hold both SCHD and VPC?
SCHD and VPC have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and VPC?
SCHD and VPC share 0 common holdings with a 0.0% weight overlap. Combined, they hold 158 unique securities.
Which pays a higher dividend, SCHD or VPC?
SCHD yields 3.31% while VPC yields 17.06%, so VPC currently pays the higher dividend yield.
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