SCHR vs. VTP

Last updated Jun 4, 2026

SCHR (Schwab Intermediate-Term U.S. Treasury ETF) and VTP (Vanguard Total Inflation-Protected Securities ETF) are both exchange-traded funds - SCHR is a Government Bonds fund tracking the Bloomberg US Treasury 3-10 Year Index, while VTP is a Inflation-Protected Bonds fund tracking the ICE U.S. Treasury Inflation Linked Bond Index 0-5. Both are passively managed. Their correlation of 0.85 suggests significant overlap in exposure. Both charge a 0.05% expense ratio.

Performance

SCHR vs. VTP - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab Intermediate-Term U.S. Treasury ETF (SCHR) and Vanguard Total Inflation-Protected Securities ETF (VTP). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, SCHR achieves a -0.43% return, which is significantly lower than VTP's 1.55% return.

SCHR

• 1D: -0.16%
• 1M: -0.15%
• YTD: -0.43%
• 6M: -0.59%
• 1Y: 3.55%
• 3Y*: 3.41%
• 5Y*: 0.05%
• 10Y*: 1.23%

VTP

• 1D: -0.16%
• 1M: -0.08%
• YTD: 1.55%
• 6M: 1.09%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

SCHR vs. VTP - Yearly Performance Comparison

	2026 (YTD)	2025
SCHR Schwab Intermediate-Term U.S. Treasury ETF	-0.43%	3.01%
VTP Vanguard Total Inflation-Protected Securities ETF	1.55%	2.27%

Correlation

The correlation between SCHR and VTP is 0.85, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (All Time) Calculated using the full available price history since Jul 10, 2025	0.85

Return for Risk

SCHR vs. VTP — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SCHR

SCHR Risk / Return Rank: 27
SCHR Sharpe Ratio Rank: 28
SCHR Sortino Ratio Rank: 28
SCHR Omega Ratio Rank: 26
SCHR Calmar Ratio Rank: 26
SCHR Martin Ratio Rank: 27

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SCHR vs. VTP - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab Intermediate-Term U.S. Treasury ETF (SCHR) and Vanguard Total Inflation-Protected Securities ETF (VTP). 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.

	SCHR	VTP	Difference
Sharpe ratio: Return per unit of total volatility	1.04	—	—
Sortino ratio: Return per unit of downside risk	1.57	—	—
Omega ratio: Gain probability vs. loss probability	1.18	—	—
Calmar ratio: Return relative to maximum drawdown	1.27	—	—
Martin ratio: Return relative to average drawdown	3.82	—	—
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

Sharpe Ratios by Period

	SCHR	VTP	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.04	—	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.01	—	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.28	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.44	1.31	-0.87

Drawdowns

SCHR vs. VTP - Drawdown Comparison

The maximum SCHR drawdown since its inception was -16.11%, which is greater than VTP's maximum drawdown of -1.92%. Use the drawdown chart below to compare losses from any high point for SCHR and VTP.

Drawdown Indicators

	SCHR	VTP	Difference
Max Drawdown Largest peak-to-trough decline	-16.11%	-1.92%	-14.19%
Max Drawdown (1Y) Largest decline over 1 year	-2.79%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-4.35%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-15.07%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-16.11%	—	—
Current Drawdown Current decline from peak	-2.37%	-0.30%	-2.07%
Average Drawdown Average peak-to-trough decline	-3.64%	-0.52%	-3.12%
Ulcer Index Depth and duration of drawdowns from previous peaks	0.93%	—	—

Volatility

Volatility by Period

	SCHR	VTP	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.08%	—	—
Volatility (6M) Calculated over the trailing 6-month period	2.35%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	3.43%	3.26%	+0.17%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	5.38%	3.26%	+2.12%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	4.47%	3.26%	+1.21%

SCHR vs. VTP - Expense Ratio Comparison

Both SCHR and VTP have an expense ratio of 0.05%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.

Dividends

SCHR vs. VTP - Dividend Comparison

SCHR's dividend yield for the trailing twelve months is around 3.92%, more than VTP's 1.61% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SCHR Schwab Intermediate-Term U.S. Treasury ETF	3.92%	3.85%	3.77%	3.16%	2.02%	1.00%	1.62%	2.31%	2.11%	1.65%	1.45%	1.56%
VTP Vanguard Total Inflation-Protected Securities ETF	1.61%	1.56%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both SCHR and VTP in my portfolio?

SCHR and VTP have a correlation of 0.85, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, SCHR or VTP?

Both ETFs have the same 0.05% expense ratio. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, SCHR or VTP?

SCHR and VTP have the same expense ratio: 0.05% per year.

Which ETF pays a higher dividend yield, SCHR or VTP?

SCHR has the higher dividend yield at 3.92%, compared with 1.61% for VTP.

What is the main difference between SCHR and VTP?

SCHR is categorized as Government Bonds, while VTP is Inflation-Protected Bonds. SCHR tracks Bloomberg US Treasury 3-10 Year Index, while VTP tracks ICE U.S. Treasury Inflation Linked Bond Index 0-5. They also come from different issuers: Charles Schwab and Vanguard.