SCMB vs VTI
Schwab Municipal Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SCMB or VTI?
Municipal Bond against Large Cap Blend.
VTI led over 1Y, 3Y 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 | SCMB | VTI |
|---|---|---|
| Expense Ratio | 0.03%Tie | 0.03%Tie |
| AUM | $4.1B | $666.9B |
| Dividend Yield | 3.60% | 1.03% |
| Holdings | 6,809 | 3,543 |
| YTD Return | -2.04% | +12.57%Best |
| 1Y Return | -0.34% | +17.22%Best |
| 3Y Return (annualized) | +2.43% | +20.87%Best |
| 5Y Return (annualized) | - | +11.86% |
| Volatility (annualized) | 6.1%Best | 13.3% |
| Max Drawdown | -6.1%Best | -19.3% |
| $10,000 over 3.9 years | $11,154 | $22,038Best |
| Fund Family | Charles Schwab Investment Mangement | Vanguard (US) |
| Category | Tax Preferred | Equity |
| Style | Municipal Bond | Large Cap Blend |
| Inception | Oct 11, 2022 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.9 years row, are measured over the window both funds cover: Oct 12, 2022 to Sep 11, 2026 (3.9 years).
SCMB 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 3.9 years both funds cover.
SCMB vs VTI Performance
Schwab Municipal Bond ETF (SCMB) is an ETF from Charles Schwab Investment Mangement and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SCMB returned -0.34% while VTI returned +17.22%. Year to date, SCMB is down 2.04% versus a gain of 12.57% for VTI.
Over three years, SCMB compounded at +2.43% per year against +20.87% for VTI. Across the full 4-year window we track, VTI has the edge at +22.46% annualized vs +2.84%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.3% compared with 6.1% for SCMB. 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 -6.1% for SCMB and -19.3% 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 0.68. They move together some of the time, and apart the rest.
Fees and Cost Over Time
SCMB charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCMB currently yields 3.60% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 2,368 holdings in SCMB and 2,787 in VTI, totalling 23.9% 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 2,368 positions we hold weights for in SCMB and 2,787 in VTI, against full books of 6,809 and 3,543.
You are not choosing between two funds in isolation.
Whichever of SCMB 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, SCMB or VTI?
SCMB 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, SCMB or VTI?
Over the past year SCMB returned -0.34% vs +17.22% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), SCMB annualized +2.84% vs +22.46% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCMB or VTI?
VTI has been the more volatile fund at 13.3% annualized versus 6.1% for SCMB. Worst drawdown: SCMB -6.1% vs VTI -19.3%.
Should I hold both SCMB and VTI?
SCMB and VTI have a monthly-return correlation of 0.68, 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, SCMB or VTI?
SCMB yields 3.60% while VTI yields 1.03%, so SCMB currently pays the higher dividend yield.
Is VTI better than SCMB?
VTI led over 1Y, 3Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.