STCE vs VTI
Schwab Crypto Thematic Natural Language Processing ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | STCE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.03% | |
| AUM | $214M | $666.9B | |
| Dividend Yield | 1.74% | 1.07% | |
| Holdings | 42 | 3,543 | |
| YTD Return | -4.94% | +13.67% | |
| 1Y Return | +15.73% | +22.17% | |
| 3Y Return (annualized) | +43.50% | +21.93% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 57.7% | 15.3% | |
| Max Drawdown | -54.1% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Alternative | Equity | |
| Inception | Aug 4, 2022 | May 24, 2001 |
STCE vs VTI Performance
Schwab Crypto Thematic Natural Language Processing ETF (STCE) 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 STCE returned +15.73% while VTI returned +22.17%. Year to date, STCE is down 4.94% versus a gain of 13.67% for VTI.
Over three years, STCE compounded at +43.50% per year against +21.93% for VTI. Across the full 4-year window we track, STCE has the edge at +25.75% annualized vs +8.11%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
STCE has been the more volatile fund, with annualized monthly volatility of 57.7% compared with 15.3% for VTI. 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 -54.1% for STCE 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
STCE charges 0.30% per year while VTI charges 0.03%. On a $10,000 position that is $30 vs $3 annually, a gap of $27 per year that compounds over a long holding period. On income, STCE currently yields 1.74% against 1.07% for VTI.
Holdings Overlap
STCE and VTI share 15 holdings out of 2808 unique holdings combined, representing a 0.4% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, STCE or VTI?
STCE has an expense ratio of 0.30% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $27 per year of difference.
Which performed better, STCE or VTI?
Over the past year STCE returned +15.73% vs +22.17% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), STCE annualized +25.75% vs +8.11% for VTI. Past performance does not guarantee future results.
Which is riskier, STCE or VTI?
STCE has been the more volatile fund at 57.7% annualized versus 15.3% for VTI. Worst drawdown: STCE -54.1% vs VTI -56.6%.
Should I hold both STCE and VTI?
STCE and VTI have a monthly-return correlation of 0.70, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between STCE and VTI?
STCE and VTI share 15 common holdings with a 0.4% weight overlap. Combined, they hold 2808 unique securities.
Which pays a higher dividend, STCE or VTI?
STCE yields 1.74% while VTI yields 1.07%, so STCE currently pays the higher dividend yield.
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