SCHJ vs VTI
SCHJ vs VTI
Schwab 1-5 Year Corporate Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | SCHJ | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $848M | $663.5B | |
| Dividend Yield | 4.49% | 1.07% | |
| Holdings | 3,132 | 3,543 | |
| YTD Return | +0.71% | +14.20% | |
| 1Y Return | +2.91% | +24.16% | |
| 3Y Return (annualized) | +5.16% | +21.12% | |
| 5Y Return (annualized) | +2.26% | +12.37% | |
| Volatility (annualized) | 3.4% | 15.3% | |
| Max Drawdown | -13.6% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 10, 2019 | May 24, 2001 |
SCHJ vs VTI Performance
Schwab 1-5 Year Corporate Bond ETF (SCHJ) is a ETF from Charles Schwab Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SCHJ returned +2.91% while VTI returned +24.16%. Year to date, SCHJ is up 0.71% versus a gain of 14.20% for VTI.
Over three years, SCHJ compounded at +5.16% per year against +21.12% for VTI; over five years the annualized figures are +2.26% and +12.37% respectively. Across the full 7-year window we track, VTI has the edge at +8.14% annualized vs +2.06%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.4% for SCHJ. 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 -13.6% for SCHJ and -56.6% for VTI. 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 0.64. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHJ charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCHJ currently yields 4.49% against 1.07% for VTI.
Holdings Overlap
Frequently Asked Questions
Which is cheaper, SCHJ or VTI?
SCHJ has an expense ratio of 0.03% while VTI charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, SCHJ or VTI?
Over the past year SCHJ returned +2.91% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), SCHJ annualized +2.06% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, SCHJ or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.4% for SCHJ. Worst drawdown: SCHJ -13.6% vs VTI -56.6%.
Should I hold both SCHJ and VTI?
SCHJ and VTI have a monthly-return correlation of 0.64, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHJ and VTI?
SCHJ and VTI share 2 common holdings with a 0.1% weight overlap. Combined, they hold 2801 unique securities.
Which pays a higher dividend, SCHJ or VTI?
SCHJ yields 4.49% while VTI yields 1.07%, so SCHJ currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.