SCHD vs VPC
Schwab US Dividend Equity ETF vs Virtus Private Credit Strategy ETF
Which is better, SCHD or VPC?
Large Cap Value against Preferred Stock.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y 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 | VPC |
|---|---|---|
| Expense Ratio | 0.06%Best | 10.60% |
| AUM | $112.1B | $30M |
| Dividend Yield | 3.00% | 15.26% |
| Holdings | 103 | 59 |
| YTD Return | +23.46%Best | -8.24% |
| 1Y Return | +27.20%Best | -12.09% |
| 3Y Return (annualized) | +15.41%Best | -0.06% |
| 5Y Return (annualized) | +10.16%Best | +1.65% |
| Volatility (annualized) | 16.3%Best | 20.4% |
| Max Drawdown | -33.4%Best | -55.3% |
| $10,000 over 5 years | $16,223Best | $10,853 |
| Fund Family | Charles Schwab Asset Management | Virtus Investment Partners |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Value | Preferred Stock |
| Inception | Oct 20, 2011 | Feb 7, 2019 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Feb 8, 2019 to Sep 18, 2026 (7.6 years).
SCHD vs VPC 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 7.6 years both funds cover.
SCHD vs VPC Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Virtus Private Credit Strategy ETF (VPC) is an ETF from Virtus Investment Partners. Over the past year SCHD returned +27.20% while VPC returned -12.09%. Year to date, SCHD is up 23.46% versus a loss of 8.24% for VPC.
Over three years, SCHD compounded at +15.41% per year against -0.06% for VPC; over five years the annualized figures are +10.16% and +1.65% respectively. Across the full 8-year window we track, SCHD has the edge at +12.45% annualized vs +1.56%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VPC has been the more volatile fund, with annualized monthly volatility of 20.4% compared with 16.3% 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 what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.69. They move together some of the time, and apart the rest.
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 3.00% against 15.26% for VPC.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 61 in VPC, totalling 100.0% and 94.3% 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 100 positions we hold weights for in SCHD and 61 in VPC, against full books of 103 and 59.
You are not choosing between two funds in isolation.
Whichever of SCHD and VPC 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 VPC?
SCHD has an expense ratio of 0.06% while VPC charges 10.60%. SCHD is the cheaper option, by $1054 a year on a $10,000 investment.
Which performed better, SCHD or VPC?
Over the past year SCHD returned +27.20% vs -12.09% for VPC, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), SCHD annualized +12.45% vs +1.56% for VPC. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or VPC?
VPC has been the more volatile fund at 20.4% annualized versus 16.3% 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 0.69, 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 VPC?
SCHD yields 3.00% while VPC yields 15.26%, so VPC currently pays the higher dividend yield.
Is VPC better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.