SCHD vs VYMI
Schwab US Dividend Equity ETF vs Vanguard International High Dividend Yield ETF
Which is better, SCHD or VYMI?
Each has led over a different period.
SCHD has a lower expense ratio. SCHD led over the full window, VYMI over 1Y, 3Y and 5Y. VYMI is less concentrated, with 13.7% of the fund in its ten largest positions against 41.5%.
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 | VYMI |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.07% |
| AUM | $112.2B | $21.0B |
| Dividend Yield | 3.13% | 3.47% |
| Holdings | 103 | 1,576 |
| YTD Return | +27.56%Best | +20.13% |
| 1Y Return | +30.29% | +32.45%Best |
| 3Y Return (annualized) | +16.37% | +24.67%Best |
| 5Y Return (annualized) | +10.23% | +14.36%Best |
| Volatility (annualized) | 14.9% | 14.8%Best |
| Max Drawdown | -33.4%Best | -45.2% |
| $10,000 over 5 years | $16,274 | $19,560Best |
| Top 10 Weight | 41.5% | 13.7%Best |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Value | Large Cap Value |
| Inception | Oct 20, 2011 | Feb 25, 2016 |
Volatility and max drawdown are measured over the window both funds cover: Mar 2, 2016 to Sep 4, 2026 (10.5 years).
SCHD vs VYMI 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 10.5 years both funds cover.
SCHD vs VYMI Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Vanguard International High Dividend Yield ETF (VYMI) is an ETF from Vanguard (US). Over the past year SCHD returned +30.29% while VYMI returned +32.45%. Year to date, SCHD is up 27.56% versus a gain of 20.13% for VYMI.
Over three years, SCHD compounded at +16.37% per year against +24.67% for VYMI; over five years the annualized figures are +10.23% and +14.36% respectively. Across the full 11-year window we track, SCHD has the edge at +11.90% annualized vs +9.77%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 14.9% compared with 14.8% for VYMI. 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 -45.2% for VYMI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.80. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while VYMI charges 0.07%. On a $10,000 position that is $6 vs $7 annually, a gap of $1 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 3.47% for VYMI.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 1,509 in VYMI, totalling 100.0% and 96.4% 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 1,509 in VYMI, against full books of 103 and 1,576.
What only one of them owns
Our book lists 30 positions for VYMI that do not appear in our book for SCHD (6.2% of the fund), and 98 for SCHD that do not appear in VYMI (99.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of SCHD and VYMI 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 VYMI?
SCHD has an expense ratio of 0.06% while VYMI charges 0.07%. SCHD is the cheaper option, by $1 a year on a $10,000 investment.
Which performed better, SCHD or VYMI?
Over the past year SCHD returned +30.29% vs +32.45% for VYMI, so VYMI leads on 1-year performance. Over the longest common window we track (11 years), SCHD annualized +11.90% vs +9.77% for VYMI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or VYMI?
SCHD has been the more volatile fund at 14.9% annualized versus 14.8% for VYMI. Worst drawdown: SCHD -33.4% vs VYMI -45.2%.
Should I hold both SCHD and VYMI?
SCHD and VYMI have a monthly-return correlation of 0.80, 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 VYMI?
SCHD yields 3.13% while VYMI yields 3.47%, so VYMI currently pays the higher dividend yield.
Is VYMI better than SCHD?
SCHD has a lower expense ratio. SCHD led over the full window, VYMI over 1Y, 3Y and 5Y. VYMI is less concentrated, with 13.7% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.