SCHD vs VUSI
Schwab US Dividend Equity ETF vs Voya Ultra Short Income ETF
Which is better, SCHD or VUSI?
Large Cap Value against Ultrashort Term Bond.
SCHD has a lower expense ratio. SCHD led over 1Y.
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 | VUSI |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.25% |
| AUM | $119.9B | $143M |
| Dividend Yield | 2.96% | 0.50% |
| Holdings | 204 | 637 |
| YTD Return | +32.38%Best | -0.52% |
| 1Y Return | +38.54%Best | +0.21% |
| 3Y Return (annualized) | +20.13% | - |
| 5Y Return (annualized) | +10.28% | - |
| Volatility (annualized) | 16.7% | 1.0%Best |
| Fund Family | Charles Schwab Asset Management | Voya Investment Management |
| Category | Equity | Fixed Income |
| Style | Large Cap Value | Ultrashort Term Bond |
| Inception | Oct 20, 2011 | Nov 18, 2025 |
Not shown on this pair: Max Drawdown, $10,000 over the window, Top 10 Weight.
SCHD vs VUSI 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 is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
SCHD vs VUSI Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Voya Ultra Short Income ETF (VUSI) is an ETF from Voya Investment Management. Over the past year SCHD returned +38.54% while VUSI returned +0.21%. Year to date, SCHD is up 32.38% versus a loss of 0.52% for VUSI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 1.0% for VUSI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The two funds' monthly returns correlate at 0.53. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHD charges 0.06% per year while VUSI charges 0.25%. On a $10,000 position that is $6 vs $25 annually, a gap of $19 per year that compounds over a long holding period. On income, SCHD currently yields 2.96% against 0.50% for VUSI.
Holdings Overlap
We hold position weights for 98 holdings in SCHD and 170 in VUSI, totalling 99.8% and 35.9% 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 98 positions we hold weights for in SCHD and 170 in VUSI, against full books of 204 and 637.
You are not choosing between two funds in isolation.
Whichever of SCHD and VUSI 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 VUSI?
SCHD has an expense ratio of 0.06% while VUSI charges 0.25%. SCHD is the cheaper option, by $19 a year on a $10,000 investment.
Which performed better, SCHD or VUSI?
Over the past year SCHD returned +38.54% vs +0.21% for VUSI, 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 VUSI?
SCHD has been the more volatile fund at 16.7% annualized versus 1.0% for VUSI.
Should I hold both SCHD and VUSI?
SCHD and VUSI have a monthly-return correlation of 0.53, 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 VUSI?
SCHD yields 2.96% while VUSI yields 0.50%, so SCHD currently pays the higher dividend yield.
Is VUSI better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.