SCHE vs VTI
SCHE vs VTI
Schwab Emerging Markets Equity ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | SCHE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.03% | |
| AUM | $12.5B | $663.5B | |
| Dividend Yield | 2.66% | 1.07% | |
| Holdings | 2,210 | 3,543 | |
| YTD Return | +10.52% | +14.20% | |
| 1Y Return | +22.39% | +24.16% | |
| 3Y Return (annualized) | +17.52% | +21.12% | |
| 5Y Return (annualized) | +6.65% | +12.37% | |
| Volatility (annualized) | 17.2% | 15.3% | |
| Max Drawdown | -43.1% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 14, 2010 | May 24, 2001 |
SCHE vs VTI Performance
Schwab Emerging Markets Equity ETF (SCHE) is a ETF from Charles Schwab Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SCHE returned +22.39% while VTI returned +24.16%. Year to date, SCHE is up 10.52% versus a gain of 14.20% for VTI.
Over three years, SCHE compounded at +17.52% per year against +21.12% for VTI; over five years the annualized figures are +6.65% and +12.37% respectively. Across the full 17-year window we track, VTI has the edge at +8.14% annualized vs +3.27%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHE has been the more volatile fund, with annualized monthly volatility of 17.2% 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 -43.1% for SCHE 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
SCHE charges 0.06% per year while VTI charges 0.03%. On a $10,000 position that is $6 vs $3 annually, a gap of $3 per year that compounds over a long holding period. On income, SCHE currently yields 2.66% against 1.07% for VTI.
Holdings Overlap
SCHE and VTI share 5 holdings out of 4187 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in SCHE | Weight in VTI | Difference |
|---|---|---|---|
| UTMD | 0.22% | 0.00% | 0.22% |
| HAL | 0.08% | 0.04% | 0.04% |
| MOH | 0.03% | 0.02% | 0.01% |
| FRBA | Pro | Pro | Pro |
| ESE | Pro | Pro | Pro |
See all 5 holdings SCHE shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, SCHE or VTI?
SCHE has an expense ratio of 0.06% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, SCHE or VTI?
Over the past year SCHE returned +22.39% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (17 years), SCHE annualized +3.27% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, SCHE or VTI?
SCHE has been the more volatile fund at 17.2% annualized versus 15.3% for VTI. Worst drawdown: SCHE -43.1% vs VTI -56.6%.
Should I hold both SCHE and VTI?
SCHE 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 SCHE and VTI?
SCHE and VTI share 5 common holdings with a 0.1% weight overlap. Combined, they hold 4187 unique securities.
Which pays a higher dividend, SCHE or VTI?
SCHE yields 2.66% while VTI yields 1.07%, so SCHE currently pays the higher dividend yield.
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