SCHD vs VTP
SCHD vs VTP
Schwab US Dividend Equity ETF vs Vanguard Total Inflation-Protected Securities ETF
Quick Verdict
VTP has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | VTP | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.05% | |
| AUM | $103.7B | $159M | |
| Dividend Yield | 3.31% | 1.61% | |
| Holdings | 104 | 51 | |
| YTD Return | +24.26% | +0.81% | |
| 1Y Return | +31.38% | +1.98% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 2.9% | |
| Max Drawdown | -33.4% | -1.9% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Jul 7, 2025 |
SCHD vs VTP Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Vanguard Total Inflation-Protected Securities ETF (VTP) is a ETF from Vanguard (US). Over the past year SCHD returned +31.38% while VTP returned +1.98%. Year to date, SCHD is up 24.26% versus a gain of 0.81% for VTP.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 2.9% for VTP. 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 -1.9% for VTP. 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 0.53. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while VTP charges 0.05%. On a $10,000 position that is $6 vs $5 annually, a gap of $1 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 1.61% for VTP.
Holdings Overlap
SCHD and VTP share 0 holdings out of 143 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 VTP?
SCHD has an expense ratio of 0.06% while VTP charges 0.05%. VTP is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, SCHD or VTP?
Over the past year SCHD returned +31.38% vs +1.98% for VTP, so SCHD leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.39% vs +2.83% for VTP. Past performance does not guarantee future results.
Which is riskier, SCHD or VTP?
SCHD has been the more volatile fund at 13.6% annualized versus 2.9% for VTP. Worst drawdown: SCHD -33.4% vs VTP -1.9%.
Should I hold both SCHD and VTP?
SCHD and VTP have a monthly-return correlation of 0.53, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and VTP?
SCHD and VTP share 0 common holdings with a 0.0% weight overlap. Combined, they hold 143 unique securities.
Which pays a higher dividend, SCHD or VTP?
SCHD yields 3.31% while VTP yields 1.61%, so SCHD currently pays the higher dividend yield.
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