SCHI vs VTI
Schwab 5-10 Year Corporate Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SCHI or VTI?
VTI has been ahead.
VTI led over 1Y, 3Y, 5Y 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 | SCHI | VTI |
|---|---|---|
| Expense Ratio | 0.03%Tie | 0.03%Tie |
| AUM | $11.4B | $666.9B |
| Dividend Yield | 5.12% | 1.03% |
| Holdings | 2,329 | 3,543 |
| YTD Return | -1.85% | +11.06%Best |
| 1Y Return | -1.27% | +15.41%Best |
| 3Y Return (annualized) | +5.57% | +20.48%Best |
| 5Y Return (annualized) | +0.37% | +11.52%Best |
| Volatility (annualized) | 7.6%Best | 17.2% |
| Max Drawdown | -20.7%Best | -35.0% |
| $10,000 over 5 years | $10,186 | $17,249Best |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Oct 10, 2019 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Oct 10, 2019 to Sep 16, 2026 (6.9 years).
SCHI vs VTI 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 6.9 years both funds cover.
SCHI vs VTI Performance
Schwab 5-10 Year Corporate Bond ETF (SCHI) is an ETF from Charles Schwab Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SCHI returned -1.27% while VTI returned +15.41%. Year to date, SCHI is down 1.85% versus a gain of 11.06% for VTI.
Over three years, SCHI compounded at +5.57% per year against +20.48% for VTI; over five years the annualized figures are +0.37% and +11.52% respectively. Across the full 7-year window we track, VTI has the edge at +15.33% annualized vs +1.27%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 17.2% compared with 7.6% for SCHI. 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 -20.7% for SCHI and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHI charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCHI currently yields 5.12% against 1.03% for VTI.
Holdings Overlap
At least 70.5% of VTI's money is in holdings SCHI also owns.
Stated as a floor: for SCHI, our book for it covers 25.2% 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 VTI is already inside SCHI. Owning both mostly buys the same companies twice.
393 positions in common, counted across the 530 positions we hold weights for in SCHI and 3,463 in VTI, against full books of 2,329 and 3,543.
Top Shared Holdings
| Stock | Weight in SCHI | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 0.18% | 6.40% | 6.22% |
| AAPLApple, Inc | 0.06% | 6.29% | 6.23% |
| MSFTMicrosoft Corp | 0.06% | 4.79% | 4.73% |
| AMZNAmazon.Com Inc | 0.26% | 3.65% | 3.39% |
| AVGOBroadcom Inc | 0.13% | 2.56% | 2.43% |
| GOOGAlphabet Inc | 0.19% | 2.31% | 2.12% |
| METAMeta Platforms Inc | 0.28% | 1.70% | 1.42% |
| JPMJpmorgan Chase | 0.21% | 1.31% | 1.10% |
| LLYEli Lilly & Co. | 0.07% | 1.35% | 1.28% |
| MUMicron Technology, Inc. | 0.04% | 1.29% | 1.25% |
70.5% of VTI is already inside SCHI.
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, SCHI or VTI?
SCHI has an expense ratio of 0.03% while VTI charges 0.03%. At the precision these are quoted to, they cost the same.
Which performed better, SCHI or VTI?
Over the past year SCHI returned -1.27% vs +15.41% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), SCHI annualized +1.27% vs +15.33% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHI or VTI?
VTI has been the more volatile fund at 17.2% annualized versus 7.6% for SCHI. Worst drawdown: SCHI -20.7% vs VTI -35.0%.
Should I hold both SCHI and VTI?
SCHI and VTI have a monthly-return correlation of 0.70, 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 SCHI and VTI?
At least 70.5% of VTI's money is in holdings SCHI also owns. Our book for SCHI is partial, so the real figure is this or higher. They hold 393 positions in common, counted across the 530 positions we hold weights for in SCHI and 3,463 in VTI.
Which pays a higher dividend, SCHI or VTI?
SCHI yields 5.12% while VTI yields 1.03%, so SCHI currently pays the higher dividend yield.
Is VTI better than SCHI?
VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.