SCHD vs VCRB
SCHD vs VCRB
Schwab US Dividend Equity ETF vs Vanguard Core Bond ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. VCRB offers more diversification with 1223 holdings.
Side-by-Side Comparison
| Metric | SCHD | VCRB | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.10% | |
| AUM | $103.7B | $7.3B | |
| Dividend Yield | 3.31% | 4.57% | |
| Holdings | 104 | 3,173 | |
| YTD Return | +24.26% | -0.14% | |
| 1Y Return | +31.38% | +2.29% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 4.2% | |
| Max Drawdown | -33.4% | -4.1% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Fixed Income | |
| Inception | Oct 20, 2011 | Dec 12, 2023 |
SCHD vs VCRB Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Vanguard Core Bond ETF (VCRB) is a ETF from Vanguard (US). Over the past year SCHD returned +31.38% while VCRB returned +2.29%. Year to date, SCHD is up 24.26% versus a loss of 0.14% for VCRB.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 4.2% for VCRB. 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 -33.4% for SCHD and -4.1% for VCRB. 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 0.42. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while VCRB charges 0.10%. On a $10,000 position that is $6 vs $10 annually, a gap of $4 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 4.57% for VCRB.
Holdings Overlap
SCHD and VCRB share 0 holdings out of 1323 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, SCHD or VCRB?
SCHD has an expense ratio of 0.06% while VCRB charges 0.10%. SCHD is the cheaper option. On a $10,000 investment, that is $4 per year of difference.
Which performed better, SCHD or VCRB?
Over the past year SCHD returned +31.38% vs +2.29% for VCRB, so SCHD leads on 1-year performance. Over the longest common window we track (3 years), SCHD annualized +11.39% vs +4.03% for VCRB. Past performance does not guarantee future results.
Which is riskier, SCHD or VCRB?
SCHD has been the more volatile fund at 13.6% annualized versus 4.2% for VCRB. Worst drawdown: SCHD -33.4% vs VCRB -4.1%.
Should I hold both SCHD and VCRB?
SCHD and VCRB have a monthly-return correlation of 0.42, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and VCRB?
SCHD and VCRB share 0 common holdings with a 0.0% weight overlap. Combined, they hold 1323 unique securities.
Which pays a higher dividend, SCHD or VCRB?
SCHD yields 3.31% while VCRB yields 4.57%, so VCRB currently pays the higher dividend yield.
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