SCYB vs VTI
Schwab High Yield Bond 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 | SCYB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $2.8B | $666.9B | |
| Dividend Yield | 6.95% | 1.07% | |
| Holdings | 1,837 | 3,543 | |
| YTD Return | +2.53% | +14.82% | |
| 1Y Return | +5.48% | +22.43% | |
| 3Y Return (annualized) | +8.32% | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 4.4% | 15.4% | |
| Max Drawdown | -4.9% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jul 11, 2023 | May 24, 2001 |
SCYB vs VTI Performance
Schwab High Yield Bond ETF (SCYB) 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 SCYB returned +5.48% while VTI returned +22.43%. Year to date, SCYB is up 2.53% versus a gain of 14.82% for VTI.
Over three years, SCYB compounded at +8.32% per year against +21.93% for VTI. Across the full 3-year window we track, SCYB has the edge at +8.17% annualized vs +8.16%. 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 4.4% for SCYB. 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 -4.9% for SCYB 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 0.82. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCYB charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCYB currently yields 6.95% against 1.07% for VTI.
Holdings Overlap
SCYB and VTI share 10 holdings out of 2885 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCYB or VTI?
SCYB 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, SCYB or VTI?
Over the past year SCYB returned +5.48% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), SCYB annualized +8.17% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, SCYB or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 4.4% for SCYB. Worst drawdown: SCYB -4.9% vs VTI -56.6%.
Should I hold both SCYB and VTI?
SCYB and VTI have a monthly-return correlation of 0.82, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCYB and VTI?
SCYB and VTI share 10 common holdings with a 0.1% weight overlap. Combined, they hold 2885 unique securities.
Which pays a higher dividend, SCYB or VTI?
SCYB yields 6.95% while VTI yields 1.07%, so SCYB currently pays the higher dividend yield.
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