SCHD vs VT
Schwab US Dividend Equity ETF vs Vanguard Total World Stock ETF
Which is better, SCHD or VT?
Large Cap Value against Large Cap Blend.
SCHD led over 1Y and the full window, VT over 3Y and 5Y.
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 | VT |
|---|---|---|
| Expense Ratio | 0.06%Tie | 0.06%Tie |
| AUM | $112.2B | $78.6B |
| Dividend Yield | 3.13% | 1.60% |
| Holdings | 103 | 10,133 |
| YTD Return | +28.59%Best | +14.51% |
| 1Y Return | +31.77%Best | +23.48% |
| 3Y Return (annualized) | +16.70% | +20.73%Best |
| 5Y Return (annualized) | +10.09% | +10.69%Best |
| Volatility (annualized) | 13.6%Best | 13.9% |
| Max Drawdown | -33.4%Best | -34.5% |
| $10,000 over 5 years | $16,171 | $16,617Best |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Blend |
| Inception | Oct 20, 2011 | Jun 24, 2008 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 20, 2011 to Sep 3, 2026 (14.9 years).
SCHD vs VT 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 VT Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Vanguard Total World Stock ETF (VT) is an ETF from Vanguard (US). Over the past year SCHD returned +31.77% while VT returned +23.48%. Year to date, SCHD is up 28.59% versus a gain of 14.51% for VT.
Over three years, SCHD compounded at +16.70% per year against +20.73% for VT; over five years the annualized figures are +10.09% and +10.69% respectively. Across the full 15-year window we track, SCHD has the edge at +11.59% annualized vs +10.02%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VT has been the more volatile fund, with annualized monthly volatility of 13.9% 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 -34.5% for VT. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while VT charges 0.06%. On a $10,000 position that is $6 vs $6 annually. On income, SCHD currently yields 3.13% against 1.60% for VT.
Holdings Overlap
At least 97.2% of SCHD's money is in holdings VT also owns.
Stated as a floor: for VT, our book for it covers 90.3% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
Most of SCHD is already inside VT. Owning both mostly buys the same companies twice.
75 positions in common, counted across the 100 positions we hold weights for in SCHD and 9,272 in VT, against full books of 103 and 10,133.
Top Shared Holdings
| Stock | Weight in SCHD | Weight in VT | Difference |
|---|---|---|---|
| ABTAbbott Laboratories | 4.70% | 0.13% | 4.57% |
| AMGNAmgen Inc. | 4.62% | 0.17% | 4.45% |
| HDHome Depot Inc/The | 4.32% | 0.30% | 4.02% |
| MRKMerck & Company Inc | 4.26% | 0.27% | 3.99% |
| KOCoca Cola Co. | 4.20% | 0.27% | 3.93% |
| UNHUnitedhealth Group Incorporated | 4.11% | 0.32% | 3.79% |
| PGProcter & Gamble Company | 3.96% | 0.29% | 3.67% |
| CVXChevron Corp | 3.74% | 0.26% | 3.48% |
| VZVerizon Communic | 3.84% | 0.15% | 3.69% |
| PEPPepsico Inc. | 3.71% | 0.16% | 3.55% |
97.2% of SCHD is already inside VT.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or VT?
SCHD has an expense ratio of 0.06% while VT charges 0.06%. At the precision these are quoted to, they cost the same.
Which performed better, SCHD or VT?
Over the past year SCHD returned +31.77% vs +23.48% for VT, so SCHD leads on 1-year performance. Over the longest common window we track (15 years), SCHD annualized +11.59% vs +10.02% for VT. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or VT?
VT has been the more volatile fund at 13.9% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs VT -34.5%.
Should I hold both SCHD and VT?
SCHD and VT have a monthly-return correlation of 0.84, 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 VT?
At least 97.2% of SCHD's money is in holdings VT also owns. Our book for VT is partial, so the real figure is this or higher. They hold 75 positions in common, counted across the 100 positions we hold weights for in SCHD and 9,272 in VT.
Which pays a higher dividend, SCHD or VT?
SCHD yields 3.13% while VT yields 1.60%, so SCHD currently pays the higher dividend yield.
Is VT better than SCHD?
SCHD led over 1Y and the full window, VT over 3Y and 5Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.