SCHY vs VTI
Schwab International Dividend Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. SCHY delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SCHY | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.08% | 0.03% | |
| AUM | $2.5B | $666.9B | |
| Dividend Yield | 3.33% | 1.07% | |
| Holdings | 106 | 3,543 | |
| YTD Return | +13.25% | +12.65% | |
| 1Y Return | +21.91% | +21.39% | |
| 3Y Return (annualized) | +17.90% | +21.54% | |
| 5Y Return (annualized) | +9.15% | +12.11% | |
| Volatility (annualized) | 13.8% | 15.3% | |
| Max Drawdown | -24.0% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Apr 28, 2021 | May 24, 2001 |
SCHY vs VTI Performance
Schwab International Dividend Equity ETF (SCHY) 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 SCHY returned +21.91% while VTI returned +21.39%. Year to date, SCHY is up 13.25% versus a gain of 12.65% for VTI.
Over three years, SCHY compounded at +17.90% per year against +21.54% for VTI; over five years the annualized figures are +9.15% and +12.11% respectively. Across the full 5-year window we track, SCHY has the edge at +9.47% annualized vs +8.07%. 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 13.8% for SCHY. 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 -24.0% for SCHY 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 0.59. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHY charges 0.08% per year while VTI charges 0.03%. On a $10,000 position that is $8 vs $3 annually, a gap of $5 per year that compounds over a long holding period. On income, SCHY currently yields 3.33% against 1.07% for VTI.
Holdings Overlap
SCHY and VTI share 1 holdings out of 2893 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHY | Weight in VTI | Difference |
|---|---|---|---|
| ROP | 4.32% | 0.05% | 4.27% |
Frequently Asked Questions
Which is cheaper, SCHY or VTI?
SCHY has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $5 per year of difference.
Which performed better, SCHY or VTI?
Over the past year SCHY returned +21.91% vs +21.39% for VTI, so SCHY leads on 1-year performance. Over the longest common window we track (5 years), SCHY annualized +9.47% vs +8.07% for VTI. Past performance does not guarantee future results.
Which is riskier, SCHY or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 13.8% for SCHY. Worst drawdown: SCHY -24.0% vs VTI -56.6%.
Should I hold both SCHY and VTI?
SCHY and VTI have a monthly-return correlation of 0.59, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHY and VTI?
SCHY and VTI share 1 common holdings with a 0.1% weight overlap. Combined, they hold 2893 unique securities.
Which pays a higher dividend, SCHY or VTI?
SCHY yields 3.33% while VTI yields 1.07%, so SCHY currently pays the higher dividend yield.
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