SCHP vs VTI
Schwab US TIPs ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SCHP or VTI?
US Inflation Protection against Large Cap Blend.
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 | SCHP | VTI |
|---|---|---|
| Expense Ratio | 0.03%Tie | 0.03%Tie |
| AUM | $16.4B | $666.9B |
| Dividend Yield | 4.51% | 1.03% |
| Holdings | 49 | 3,543 |
| YTD Return | +0.20% | +11.65%Best |
| 1Y Return | -0.21% | +17.34%Best |
| 3Y Return (annualized) | +3.93% | +20.35%Best |
| 5Y Return (annualized) | +0.18% | +11.72%Best |
| Volatility (annualized) | 5.0%Best | 14.6% |
| Max Drawdown | -14.3%Best | -35.0% |
| $10,000 over 5 years | $10,090 | $17,404Best |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | US Inflation Protection | Large Cap Blend |
| Inception | Aug 5, 2010 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Aug 5, 2010 to Sep 10, 2026 (16.1 years).
SCHP 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 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.
SCHP vs VTI Performance
Schwab US TIPs ETF (SCHP) 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 SCHP returned -0.21% while VTI returned +17.34%. Year to date, SCHP is up 0.20% versus a gain of 11.65% for VTI.
Over three years, SCHP compounded at +3.93% per year against +20.35% for VTI; over five years the annualized figures are +0.18% and +11.72% respectively. Across the full 16-year window we track, VTI has the edge at +12.86% annualized vs +1.68%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 5.0% for SCHP. 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 -14.3% for SCHP 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 0.38. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCHP charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCHP currently yields 4.51% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 43 holdings in SCHP and 2,787 in VTI, totalling 83.3% and 90.6% 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 43 positions we hold weights for in SCHP and 2,787 in VTI, against full books of 49 and 3,543.
You are not choosing between two funds in isolation.
Whichever of SCHP and VTI 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, SCHP or VTI?
SCHP 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, SCHP or VTI?
Over the past year SCHP returned -0.21% vs +17.34% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (16 years), SCHP annualized +1.68% vs +12.86% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHP or VTI?
VTI has been the more volatile fund at 14.6% annualized versus 5.0% for SCHP. Worst drawdown: SCHP -14.3% vs VTI -35.0%.
Should I hold both SCHP and VTI?
SCHP and VTI have a monthly-return correlation of 0.38, 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, SCHP or VTI?
SCHP yields 4.51% while VTI yields 1.03%, so SCHP currently pays the higher dividend yield.
Is VTI better than SCHP?
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.