SCHI vs VTI
SCHI vs VTI
Schwab 5-10 Year Corporate Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | SCHI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $11.5B | $663.5B | |
| Dividend Yield | 5.02% | 1.07% | |
| Holdings | 2,316 | 3,543 | |
| YTD Return | -0.37% | +14.20% | |
| 1Y Return | +2.38% | +24.16% | |
| 3Y Return (annualized) | +5.67% | +21.12% | |
| 5Y Return (annualized) | +0.79% | +12.37% | |
| Volatility (annualized) | 7.6% | 15.3% | |
| Max Drawdown | -20.7% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 10, 2019 | May 24, 2001 |
SCHI vs VTI Performance
Schwab 5-10 Year Corporate Bond ETF (SCHI) 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 SCHI returned +2.38% while VTI returned +24.16%. Year to date, SCHI is down 0.37% versus a gain of 14.20% for VTI.
Over three years, SCHI compounded at +5.67% per year against +21.12% for VTI; over five years the annualized figures are +0.79% and +12.37% respectively. Across the full 7-year window we track, VTI has the edge at +8.14% annualized vs +1.52%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.6% for SCHI. 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 -20.7% for SCHI 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 0.69. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHI charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCHI currently yields 5.02% against 1.07% for VTI.
Holdings Overlap
SCHI and VTI share 3 holdings out of 2786 unique holdings combined, representing a 0.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHI or VTI?
SCHI has an expense ratio of 0.03% while VTI charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, SCHI or VTI?
Over the past year SCHI returned +2.38% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (7 years), SCHI annualized +1.52% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, SCHI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 7.6% for SCHI. Worst drawdown: SCHI -20.7% vs VTI -56.6%.
Should I hold both SCHI and VTI?
SCHI and VTI have a monthly-return correlation of 0.69, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHI and VTI?
SCHI and VTI share 3 common holdings with a 0.1% weight overlap. Combined, they hold 2786 unique securities.
Which pays a higher dividend, SCHI or VTI?
SCHI yields 5.02% while VTI yields 1.07%, so SCHI currently pays the higher dividend yield.
Popular ETF Comparisons
Get Full ETF Analytics
Access complete holdings data, overlap analysis, screener tools, and more with FundXLS.