SCHI vs. VTC
SCHI (Schwab 5-10 Year Corporate Bond ETF) and VTC (Vanguard Total Corporate Bond ETF) are both Corporate Bonds funds - SCHI tracks the Bloomberg US 5-10 Year Corporate Bond Index while VTC tracks the Bloomberg U.S. Corporate Bond Index. Both are passively managed. Over the past 5 years, SCHI returned 1.30%/yr vs 0.49%/yr for VTC. Their correlation of 0.95 suggests significant overlap in exposure. Both charge a 0.03% expense ratio.
Performance
SCHI vs. VTC - Performance Comparison
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Returns By Period
In the year-to-date period, SCHI achieves a 0.82% return, which is significantly lower than VTC's 1.33% return.
SCHI
- 1D
- 0.13%
- 1M
- 0.72%
- YTD
- 0.82%
- 6M
- 0.64%
- 1Y
- 5.33%
- 3Y*
- 6.23%
- 5Y*
- 1.30%
- 10Y*
- —
VTC
- 1D
- 0.09%
- 1M
- 0.93%
- YTD
- 1.33%
- 6M
- 1.08%
- 1Y
- 5.30%
- 3Y*
- 5.37%
- 5Y*
- 0.49%
- 10Y*
- —
SCHI vs. VTC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
SCHI Schwab 5-10 Year Corporate Bond ETF | 0.82% | 9.47% | 3.32% | 8.97% | -14.06% | -1.85% | 9.74% | 0.83% |
VTC Vanguard Total Corporate Bond ETF | 1.33% | 7.58% | 2.15% | 8.58% | -15.68% | -1.41% | 9.30% | 0.39% |
Correlation
The correlation between SCHI and VTC is 0.98 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.98 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.98 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.96 |
Correlation (All Time) Calculated using the full available price history since Oct 10, 2019 | 0.95 |
The correlation between SCHI and VTC has been stable across timeframes, ranging from 0.95 to 0.98 - a consistent structural relationship.
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Return for Risk
SCHI vs. VTC — Risk / Return Rank
SCHI
VTC
SCHI vs. VTC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab 5-10 Year Corporate Bond ETF (SCHI) and Vanguard Total Corporate Bond ETF (VTC). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SCHI | VTC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.07 | ||
| Sortino ratioReturn per unit of downside risk | +0.11 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.22 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 1.78 | 1.85 | -0.07 |
| Martin ratioReturn relative to average drawdown | 5.69 | 5.74 | -0.05 |
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Drawdowns
SCHI vs. VTC - Drawdown Comparison
The maximum SCHI drawdown since its inception was -20.67%, smaller than the maximum VTC drawdown of -22.05%. Use the drawdown chart below to compare losses from any high point for SCHI and VTC.
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Drawdown Indicators
| SCHI | VTC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -20.67% | -22.05% | +1.38% |
Max Drawdown (1Y)Largest decline over 1 year | -3.01% | -2.88% | -0.13% |
Max Drawdown (3Y)Largest decline over 3 years | -6.14% | -6.46% | +0.32% |
Max Drawdown (5Y)Largest decline over 5 years | -20.67% | -22.05% | +1.38% |
Current DrawdownCurrent decline from peak | -0.75% | -0.26% | -0.49% |
Average DrawdownAverage peak-to-trough decline | -5.67% | -5.81% | +0.14% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.94% | 0.93% | +0.01% |
Volatility
SCHI vs. VTC - Volatility Comparison
Schwab 5-10 Year Corporate Bond ETF (SCHI) and Vanguard Total Corporate Bond ETF (VTC) have volatilities of 1.23% and 1.22%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SCHI | VTC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.23% | 1.22% | +0.01% |
Volatility (6M)Calculated over the trailing 6-month period | 3.21% | 3.33% | -0.12% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.12% | 4.33% | -0.21% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.67% | 7.08% | -0.41% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.38% | 7.67% | -0.29% |
SCHI vs. VTC - Expense Ratio Comparison
Both SCHI and VTC have an expense ratio of 0.03%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Dividends
SCHI vs. VTC - Dividend Comparison
SCHI's dividend yield for the trailing twelve months is around 5.02%, more than VTC's 4.89% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
SCHI Schwab 5-10 Year Corporate Bond ETF | 5.02% | 4.99% | 5.11% | 4.27% | 3.10% | 1.93% | 2.31% | 0.53% | 0.00% | 0.00% |
VTC Vanguard Total Corporate Bond ETF | 4.89% | 4.76% | 4.50% | 3.80% | 3.13% | 2.36% | 2.69% | 3.34% | 3.53% | 0.55% |
Frequently Asked Questions
With a correlation of 0.98, SCHI and VTC move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
SCHI has higher volatility (1.23%) compared to VTC (1.22%). In terms of maximum drawdown, SCHI dropped -20.67% vs VTC's -22.05%.
On 5-year performance, SCHI leads with 1.30% vs 0.49% for VTC. Both ETFs have the same 0.03% expense ratio. Their volatility is very similar. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 5-year period, SCHI has performed better with a 1.30% return vs 0.49%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
SCHI and VTC have the same expense ratio: 0.03% per year.
SCHI has the higher dividend yield at 5.02%, compared with 4.89% for VTC.
SCHI tracks Bloomberg US 5-10 Year Corporate Bond Index, while VTC tracks Bloomberg U.S. Corporate Bond Index. They also come from different issuers: Charles Schwab and Vanguard.
SCHI currently has the higher Sharpe Ratio (1.30 vs 1.23), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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