SCMB vs VTI
Schwab Municipal Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | SCMB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $3.9B | $663.5B | |
| Dividend Yield | 3.51% | 1.07% | |
| Holdings | 5,972 | 3,543 | |
| YTD Return | +0.38% | +14.96% | |
| 1Y Return | +4.54% | +22.39% | |
| 3Y Return (annualized) | +3.00% | +21.51% | |
| 5Y Return (annualized) | - | +12.36% | |
| Volatility (annualized) | 6.0% | 15.4% | |
| Max Drawdown | -6.1% | -56.6% | |
| Fund Family | Charles Schwab Investment Mangement | Vanguard (US) | |
| Category | Tax Preferred | Equity | |
| Inception | Oct 11, 2022 | May 24, 2001 |
SCMB vs VTI Performance
Schwab Municipal Bond ETF (SCMB) is a ETF from Charles Schwab Investment Mangement and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SCMB returned +4.54% while VTI returned +22.39%. Year to date, SCMB is up 0.38% versus a gain of 14.96% for VTI.
Over three years, SCMB compounded at +3.00% per year against +21.51% for VTI. Across the full 4-year window we track, VTI has the edge at +8.16% annualized vs +3.56%. 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 6.0% 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 -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 0.68. They move independently enough that combining them can meaningfully diversify a portfolio.
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 3.51% against 1.07% for VTI.
Holdings Overlap
SCMB and VTI share 0 holdings out of 2825 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, SCMB or VTI?
SCMB 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, SCMB or VTI?
Over the past year SCMB returned +4.54% vs +22.39% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), SCMB annualized +3.56% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, SCMB or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 6.0% for SCMB. Worst drawdown: SCMB -6.1% vs VTI -56.6%.
Should I hold both SCMB and VTI?
SCMB and VTI have a monthly-return correlation of 0.68, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCMB and VTI?
SCMB and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2825 unique securities.
Which pays a higher dividend, SCMB or VTI?
SCMB yields 3.51% while VTI yields 1.07%, so SCMB currently pays the higher dividend yield.
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