SCHD vs VPLS
Schwab US Dividend Equity ETF vs Vanguard Core-Plus Bond ETF
Which is better, SCHD or VPLS?
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 | VPLS |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.20% |
| AUM | $112.1B | $1.9B |
| Dividend Yield | 3.00% | 4.81% |
| Holdings | 103 | 3,053 |
| YTD Return | +23.46%Best | -0.76% |
| 1Y Return | +27.20%Best | +0.23% |
| 3Y Return (annualized) | +15.41% | - |
| 5Y Return (annualized) | +10.16% | - |
| Volatility (annualized) | 12.9% | 4.2%Best |
| Max Drawdown | -16.1% | -3.0%Best |
| $10,000 over 2.8 years | $15,332Best | $11,716 |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Intermediate Term Bond |
| Inception | Oct 20, 2011 | Dec 6, 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 7, 2023 to Sep 18, 2026 (2.8 years).
SCHD vs VPLS 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 VPLS Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Vanguard Core-Plus Bond ETF (VPLS) is an ETF from Vanguard (US). Over the past year SCHD returned +27.20% while VPLS returned +0.23%. Year to date, SCHD is up 23.46% versus a loss of 0.76% for VPLS.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 12.9% compared with 4.2% for VPLS. 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 -3.0% for VPLS. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.44. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while VPLS charges 0.20%. On a $10,000 position that is $6 vs $20 annually, a gap of $14 per year that compounds over a long holding period. On income, SCHD currently yields 3.00% against 4.81% for VPLS.
Holdings Overlap
At least 2.8% of SCHD's money is in holdings VPLS also owns.
Stated as a floor: for VPLS, our book for it covers 23.0% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
SCHD and VPLS share little of their money.
1 positions in common, counted across the 100 positions we hold weights for in SCHD and 634 in VPLS, against full books of 103 and 3,053.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in VPLS | Difference |
|---|---|---|---|
| MOAltria Group Inc | 2.79% | 0.03% | 2.76% |
You are not choosing between two funds in isolation.
Whichever of SCHD and VPLS 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 VPLS?
SCHD has an expense ratio of 0.06% while VPLS charges 0.20%. SCHD is the cheaper option, by $14 a year on a $10,000 investment.
Which performed better, SCHD or VPLS?
Over the past year SCHD returned +27.20% vs +0.23% for VPLS, 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 VPLS?
SCHD has been the more volatile fund at 12.9% annualized versus 4.2% for VPLS. Worst drawdown: SCHD -16.1% vs VPLS -3.0%.
Should I hold both SCHD and VPLS?
SCHD and VPLS have a monthly-return correlation of 0.44, 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 VPLS?
At least 2.8% of SCHD's money is in holdings VPLS also owns. Our book for VPLS is partial, so the real figure is this or higher. They hold 1 positions in common, counted across the 100 positions we hold weights for in SCHD and 634 in VPLS.
Which pays a higher dividend, SCHD or VPLS?
SCHD yields 3.00% while VPLS yields 4.81%, so VPLS currently pays the higher dividend yield.
Is VPLS 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.