SCHI vs VXUS
SCHI vs VXUS
Schwab 5-10 Year Corporate Bond ETF vs Vanguard Total International Stock ETF
Quick Verdict
SCHI has a lower expense ratio. VXUS delivered stronger 1-year returns. VXUS offers more diversification with 7861 holdings.
Side-by-Side Comparison
| Metric | SCHI | VXUS | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.05% | |
| AUM | $11.5B | $156.5B | |
| Dividend Yield | 5.02% | 2.60% | |
| Holdings | 2,316 | 8,747 | |
| YTD Return | -0.59% | +13.40% | |
| 1Y Return | +2.11% | +27.42% | |
| 3Y Return (annualized) | +5.73% | +18.54% | |
| 5Y Return (annualized) | +0.68% | +9.05% | |
| Volatility (annualized) | 7.6% | 15.1% | |
| Max Drawdown | -20.7% | -39.9% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Oct 10, 2019 | Jan 26, 2011 |
SCHI vs VXUS Performance
Schwab 5-10 Year Corporate Bond ETF (SCHI) is a ETF from Charles Schwab Asset Management and Vanguard Total International Stock ETF (VXUS) is a ETF from Vanguard (US). Over the past year SCHI returned +2.11% while VXUS returned +27.42%. Year to date, SCHI is down 0.59% versus a gain of 13.40% for VXUS.
Over three years, SCHI compounded at +5.73% per year against +18.54% for VXUS; over five years the annualized figures are +0.68% and +9.05% respectively. Across the full 7-year window we track, VXUS has the edge at +4.79% annualized vs +1.48%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VXUS has been the more volatile fund, with annualized monthly volatility of 15.1% 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 -39.9% for VXUS. 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 0.77. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHI charges 0.03% per year while VXUS charges 0.05%. On a $10,000 position that is $3 vs $5 annually, a gap of $2 per year that compounds over a long holding period. On income, SCHI currently yields 5.02% against 2.60% for VXUS.
Holdings Overlap
SCHI and VXUS share 0 holdings out of 7867 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, SCHI or VXUS?
SCHI has an expense ratio of 0.03% while VXUS charges 0.05%. SCHI is the cheaper option. On a $10,000 investment, that is $2 per year of difference.
Which performed better, SCHI or VXUS?
Over the past year SCHI returned +2.11% vs +27.42% for VXUS, so VXUS leads on 1-year performance. Over the longest common window we track (7 years), SCHI annualized +1.48% vs +4.79% for VXUS. Past performance does not guarantee future results.
Which is riskier, SCHI or VXUS?
VXUS has been the more volatile fund at 15.1% annualized versus 7.6% for SCHI. Worst drawdown: SCHI -20.7% vs VXUS -39.9%.
Should I hold both SCHI and VXUS?
SCHI and VXUS have a monthly-return correlation of 0.77, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHI and VXUS?
SCHI and VXUS share 0 common holdings with a 0.0% weight overlap. Combined, they hold 7867 unique securities.
Which pays a higher dividend, SCHI or VXUS?
SCHI yields 5.02% while VXUS yields 2.60%, so SCHI currently pays the higher dividend yield.
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