SCHY vs VTI
Schwab International Dividend Equity ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SCHY or VTI?
All Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. SCHY led over 1Y, VTI over 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 39.6%.
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 | SCHY | VTI |
|---|---|---|
| Expense Ratio | 0.08% | 0.03%Best |
| AUM | $2.6B | $666.9B |
| Dividend Yield | 3.34% | 1.03% |
| Holdings | 104 | 3,543 |
| YTD Return | +10.40% | +11.06%Best |
| 1Y Return | +18.98%Best | +15.41% |
| 3Y Return (annualized) | +15.88% | +20.48%Best |
| 5Y Return (annualized) | +8.82% | +11.52%Best |
| Volatility (annualized) | 13.7%Best | 15.6% |
| Max Drawdown | -24.0%Best | -25.4% |
| $10,000 over 5 years | $15,260 | $17,249Best |
| Top 10 Weight | 39.6% | 33.3%Best |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | All Cap Blend | Large Cap Blend |
| Inception | Apr 28, 2021 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Apr 29, 2021 to Sep 16, 2026 (5.4 years).
SCHY 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 5.4 years both funds cover.
SCHY vs VTI Performance
Schwab International Dividend Equity ETF (SCHY) 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 SCHY returned +18.98% while VTI returned +15.41%. Year to date, SCHY is up 10.40% versus a gain of 11.06% for VTI.
Over three years, SCHY compounded at +15.88% per year against +20.48% for VTI; over five years the annualized figures are +8.82% and +11.52% respectively.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.6% compared with 13.7% 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 -25.4% 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 0.59. They move together some of the time, and apart the rest.
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 3.34% against 1.03% for VTI.
Holdings Overlap
4.6% of SCHY's money is in holdings VTI also owns. 0.1% of VTI's money is in holdings SCHY also owns.
SCHY and VTI share little of their money.
2 positions in common, counted across the 102 positions we hold weights for in SCHY and 3,463 in VTI, against full books of 104 and 3,543.
What only one of them owns
Our book lists 1,149 positions for VTI that do not appear in our book for SCHY (97.4% of the fund), and 5 for SCHY that do not appear in VTI (0.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of SCHY 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, SCHY or VTI?
SCHY has an expense ratio of 0.08% while VTI charges 0.03%. VTI is the cheaper option, by $5 a year on a $10,000 investment.
Which performed better, SCHY or VTI?
Over the past year SCHY returned +18.98% vs +15.41% for VTI, so SCHY leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHY or VTI?
VTI has been the more volatile fund at 15.6% annualized versus 13.7% for SCHY. Worst drawdown: SCHY -24.0% vs VTI -25.4%.
Should I hold both SCHY and VTI?
SCHY and VTI have a monthly-return correlation of 0.59, 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 SCHY and VTI?
4.6% of SCHY's money is in holdings VTI also owns. 0.1% of VTI's is in holdings SCHY also owns. They hold 2 positions in common, counted across the 102 positions we hold weights for in SCHY and 3,463 in VTI.
Which pays a higher dividend, SCHY or VTI?
SCHY yields 3.34% while VTI yields 1.03%, so SCHY currently pays the higher dividend yield.
Is VTI better than SCHY?
VTI has a lower expense ratio. SCHY led over 1Y, VTI over 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 39.6%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.