SCHD vs. VFIAX
Compare and contrast key facts about Schwab U.S. Dividend Equity ETF (SCHD) and Vanguard 500 Index Fund Admiral Shares (VFIAX).
SCHD is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Dividend 100 Index. It was launched on Oct 20, 2011. VFIAX is managed by Vanguard. It was launched on Nov 13, 2000.
Performance
SCHD vs. VFIAX - Performance Comparison
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SCHD vs. VFIAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SCHD Schwab U.S. Dividend Equity ETF | 12.35% | 4.34% | 11.66% | 4.54% | -3.26% | 29.87% | 15.03% | 27.29% | -5.56% | 20.85% |
VFIAX Vanguard 500 Index Fund Admiral Shares | -3.55% | 17.83% | 24.97% | 26.24% | -18.16% | 28.65% | 18.32% | 31.46% | -4.45% | 21.78% |
Returns By Period
In the year-to-date period, SCHD achieves a 12.35% return, which is significantly higher than VFIAX's -3.55% return. Over the past 10 years, SCHD has underperformed VFIAX with an annualized return of 12.30%, while VFIAX has yielded a comparatively higher 14.17% annualized return.
SCHD
- 1D
- 0.16%
- 1M
- -2.29%
- YTD
- 12.35%
- 6M
- 13.59%
- 1Y
- 18.75%
- 3Y*
- 11.70%
- 5Y*
- 8.35%
- 10Y*
- 12.30%
VFIAX
- 1D
- 0.12%
- 1M
- -4.07%
- YTD
- -3.55%
- 6M
- -1.41%
- 1Y
- 23.47%
- 3Y*
- 18.45%
- 5Y*
- 11.93%
- 10Y*
- 14.17%
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SCHD vs. VFIAX - Expense Ratio Comparison
SCHD has a 0.06% expense ratio, which is higher than VFIAX's 0.04% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
SCHD vs. VFIAX — Risk / Return Rank
SCHD
VFIAX
SCHD vs. VFIAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab U.S. Dividend Equity ETF (SCHD) and Vanguard 500 Index Fund Admiral Shares (VFIAX). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| SCHD | VFIAX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.89 | 0.96 | -0.07 |
Sortino ratioReturn per unit of downside risk | 1.34 | 1.47 | -0.14 |
Omega ratioGain probability vs. loss probability | 1.19 | 1.22 | -0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.09 | 1.51 | -0.42 |
Martin ratioReturn relative to average drawdown | 3.69 | 7.11 | -3.42 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| SCHD | VFIAX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.89 | 0.96 | -0.07 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.58 | 0.71 | -0.13 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.74 | 0.79 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.84 | 0.44 | +0.40 |
Correlation
The correlation between SCHD and VFIAX is 0.82, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
SCHD vs. VFIAX - Dividend Comparison
SCHD's dividend yield for the trailing twelve months is around 3.45%, more than VFIAX's 1.17% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SCHD Schwab U.S. Dividend Equity ETF | 3.45% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
VFIAX Vanguard 500 Index Fund Admiral Shares | 1.17% | 1.12% | 1.24% | 1.45% | 1.68% | 1.24% | 1.53% | 1.87% | 2.05% | 1.78% | 2.02% | 2.10% |
Drawdowns
SCHD vs. VFIAX - Drawdown Comparison
The maximum SCHD drawdown since its inception was -33.37%, smaller than the maximum VFIAX drawdown of -55.20%. Use the drawdown chart below to compare losses from any high point for SCHD and VFIAX.
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Drawdown Indicators
| SCHD | VFIAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.37% | -55.20% | +21.83% |
Max Drawdown (1Y)Largest decline over 1 year | -4.61% | -8.90% | +4.29% |
Max Drawdown (5Y)Largest decline over 5 years | -16.85% | -24.53% | +7.68% |
Max Drawdown (10Y)Largest decline over 10 years | -33.37% | -33.83% | +0.46% |
Current DrawdownCurrent decline from peak | -3.27% | -5.45% | +2.18% |
Average DrawdownAverage peak-to-trough decline | -3.34% | -9.45% | +6.11% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.76% | 2.57% | +1.19% |
Volatility
SCHD vs. VFIAX - Volatility Comparison
The current volatility for Schwab U.S. Dividend Equity ETF (SCHD) is 2.35%, while Vanguard 500 Index Fund Admiral Shares (VFIAX) has a volatility of 5.30%. This indicates that SCHD experiences smaller price fluctuations and is considered to be less risky than VFIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SCHD | VFIAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.35% | 5.30% | -2.95% |
Volatility (6M)Calculated over the trailing 6-month period | 7.93% | 9.55% | -1.62% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.69% | 18.32% | -2.63% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.40% | 16.90% | -2.50% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.69% | 18.04% | -1.35% |