SCHF vs VOO
SCHF vs VOO
Schwab International Equity ETF vs Vanguard S&P 500 ETF
Quick Verdict
SCHF delivered stronger 1-year returns. SCHF offers more diversification with 1226 holdings.
Side-by-Side Comparison
| Metric | SCHF | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $66.3B | $979.0B | |
| Dividend Yield | 3.06% | 1.09% | |
| Holdings | 1,498 | 509 | |
| YTD Return | +15.39% | +13.11% | |
| 1Y Return | +30.24% | +22.88% | |
| 3Y Return (annualized) | +19.57% | +21.08% | |
| 5Y Return (annualized) | +10.24% | +13.26% | |
| Volatility (annualized) | 15.7% | 14.1% | |
| Max Drawdown | -38.6% | -34.3% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 3, 2009 | Sep 7, 2010 |
SCHF vs VOO Performance
Schwab International Equity ETF (SCHF) is a ETF from Charles Schwab Asset Management and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year SCHF returned +30.24% while VOO returned +22.88%. Year to date, SCHF is up 15.39% versus a gain of 13.11% for VOO.
Over three years, SCHF compounded at +19.57% per year against +21.08% for VOO; over five years the annualized figures are +10.24% and +13.26% respectively. Across the full 16-year window we track, VOO has the edge at +13.54% annualized vs +6.03%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHF has been the more volatile fund, with annualized monthly volatility of 15.7% compared with 14.1% for VOO. 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 -38.6% for SCHF and -34.3% for VOO. 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 0.84. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHF charges 0.03% per year while VOO charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCHF currently yields 3.06% against 1.09% for VOO.
Holdings Overlap
SCHF and VOO share 4 holdings out of 1727 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
Frequently Asked Questions
Which is cheaper, SCHF or VOO?
SCHF has an expense ratio of 0.03% while VOO charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, SCHF or VOO?
Over the past year SCHF returned +30.24% vs +22.88% for VOO, so SCHF leads on 1-year performance. Over the longest common window we track (16 years), SCHF annualized +6.03% vs +13.54% for VOO. Past performance does not guarantee future results.
Which is riskier, SCHF or VOO?
SCHF has been the more volatile fund at 15.7% annualized versus 14.1% for VOO. Worst drawdown: SCHF -38.6% vs VOO -34.3%.
Should I hold both SCHF and VOO?
SCHF and VOO have a monthly-return correlation of 0.84, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHF and VOO?
SCHF and VOO share 4 common holdings with a 0.1% weight overlap. Combined, they hold 1727 unique securities.
Which pays a higher dividend, SCHF or VOO?
SCHF yields 3.06% while VOO yields 1.09%, so SCHF currently pays the higher dividend yield.
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