SCYB vs VTI
Schwab High Yield Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SCYB or VTI?
High Yield 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 | SCYB | VTI |
|---|---|---|
| Expense Ratio | 0.03%Tie | 0.03%Tie |
| AUM | $2.8B | $666.9B |
| Dividend Yield | 6.89% | 1.03% |
| Holdings | 1,841 | 3,543 |
| YTD Return | +1.65% | +12.57%Best |
| 1Y Return | +3.23% | +17.22%Best |
| 3Y Return (annualized) | +7.80% | +20.87%Best |
| 5Y Return (annualized) | - | +11.86% |
| Volatility (annualized) | 4.5%Best | 13.2% |
| Max Drawdown | -4.9%Best | -19.3% |
| $10,000 over 3.2 years | $12,672 | $17,831Best |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | High Yield Bond | Large Cap Blend |
| Inception | Jul 11, 2023 | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown, and the $10,000 over 3.2 years row, are measured over the window both funds cover: Jul 11, 2023 to Sep 11, 2026 (3.2 years).
SCYB 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 3.2 years both funds cover.
SCYB vs VTI Performance
Schwab High Yield Bond ETF (SCYB) 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 SCYB returned +3.23% while VTI returned +17.22%. Year to date, SCYB is up 1.65% versus a gain of 12.57% for VTI.
Over three years, SCYB compounded at +7.80% per year against +20.87% for VTI.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 13.2% compared with 4.5% 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 -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 0.81. 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 6.89% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 1,430 holdings in SCYB and 2,787 in VTI, totalling 76.0% and 90.6% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 1 positions appear in both.
1 positions in common, counted across the 1,430 positions we hold weights for in SCYB and 2,787 in VTI, against full books of 1,841 and 3,543.
Top Shared Holdings
| Stock | Weight in SCYB | Weight in VTI | Difference |
|---|---|---|---|
| THCTenet Healthcare Corporation 6.13 06/15/2030 | 0.13% | 0.02% | 0.11% |
You are not choosing between two funds in isolation.
Whichever of SCYB 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, SCYB or VTI?
SCYB 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, SCYB or VTI?
Over the past year SCYB returned +3.23% vs +17.22% for VTI, so VTI leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCYB or VTI?
VTI has been the more volatile fund at 13.2% annualized versus 4.5% for SCYB. Worst drawdown: SCYB -4.9% vs VTI -19.3%.
Should I hold both SCYB and VTI?
SCYB and VTI have a monthly-return correlation of 0.81, 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, SCYB or VTI?
SCYB yields 6.89% while VTI yields 1.03%, so SCYB currently pays the higher dividend yield.
Is VTI better than SCYB?
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.