SCHP vs VTI
Schwab US TIPs ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SCHP | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $16.3B | $666.9B | |
| Dividend Yield | 4.51% | 1.07% | |
| Holdings | 49 | 3,543 | |
| YTD Return | +0.83% | +14.82% | |
| 1Y Return | +2.00% | +22.43% | |
| 3Y Return (annualized) | +4.30% | +21.93% | |
| 5Y Return (annualized) | +0.41% | +12.34% | |
| Volatility (annualized) | 5.0% | 15.4% | |
| Max Drawdown | -14.3% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Aug 5, 2010 | May 24, 2001 |
SCHP vs VTI Performance
Schwab US TIPs ETF (SCHP) is a ETF from Charles Schwab Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SCHP returned +2.00% while VTI returned +22.43%. Year to date, SCHP is up 0.83% versus a gain of 14.82% for VTI.
Over three years, SCHP compounded at +4.30% per year against +21.93% for VTI; over five years the annualized figures are +0.41% and +12.34% respectively. Across the full 16-year window we track, VTI has the edge at +8.16% annualized vs +1.73%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% 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 -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 0.38. They move independently enough that combining them can meaningfully diversify a portfolio.
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 1.07% for VTI.
Holdings Overlap
SCHP and VTI share 0 holdings out of 2830 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHP or VTI?
SCHP 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, SCHP or VTI?
Over the past year SCHP returned +2.00% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (16 years), SCHP annualized +1.73% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, SCHP or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 5.0% for SCHP. Worst drawdown: SCHP -14.3% vs VTI -56.6%.
Should I hold both SCHP and VTI?
SCHP and VTI have a monthly-return correlation of 0.38, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHP and VTI?
SCHP and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2830 unique securities.
Which pays a higher dividend, SCHP or VTI?
SCHP yields 4.51% while VTI yields 1.07%, so SCHP currently pays the higher dividend yield.
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