SCHH vs VYM
SCHH vs VYM
Schwab US REIT ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | SCHH | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.04% | |
| AUM | $11.7B | $79.0B | |
| Dividend Yield | 2.79% | 2.86% | |
| Holdings | 121 | 568 | |
| YTD Return | +17.23% | +15.45% | |
| 1Y Return | +18.05% | +26.05% | |
| 3Y Return (annualized) | +10.70% | +17.96% | |
| 5Y Return (annualized) | +3.10% | +12.54% | |
| Volatility (annualized) | 17.2% | 14.6% | |
| Max Drawdown | -44.2% | -58.8% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 13, 2011 | Nov 10, 2006 |
SCHH vs VYM Performance
Schwab US REIT ETF (SCHH) is a ETF from Charles Schwab Asset Management and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year SCHH returned +18.05% while VYM returned +26.05%. Year to date, SCHH is up 17.23% versus a gain of 15.45% for VYM.
Over three years, SCHH compounded at +10.70% per year against +17.96% for VYM; over five years the annualized figures are +3.10% and +12.54% respectively. Across the full 16-year window we track, VYM has the edge at +7.06% annualized vs +5.31%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHH has been the more volatile fund, with annualized monthly volatility of 17.2% compared with 14.6% for VYM. 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 -44.2% for SCHH and -58.8% for VYM. 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHH charges 0.07% per year while VYM charges 0.04%. On a $10,000 position that is $7 vs $4 annually, a gap of $3 per year that compounds over a long holding period. On income, SCHH currently yields 2.79% against 2.86% for VYM.
Holdings Overlap
SCHH and VYM share 0 holdings out of 677 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, SCHH or VYM?
SCHH has an expense ratio of 0.07% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $3 per year of difference.
Which performed better, SCHH or VYM?
Over the past year SCHH returned +18.05% vs +26.05% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (16 years), SCHH annualized +5.31% vs +7.06% for VYM. Past performance does not guarantee future results.
Which is riskier, SCHH or VYM?
SCHH has been the more volatile fund at 17.2% annualized versus 14.6% for VYM. Worst drawdown: SCHH -44.2% vs VYM -58.8%.
Should I hold both SCHH and VYM?
SCHH and VYM have a monthly-return correlation of 0.73, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHH and VYM?
SCHH and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 677 unique securities.
Which pays a higher dividend, SCHH or VYM?
SCHH yields 2.79% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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