VBTIX vs. SCHD
Compare and contrast key facts about Vanguard Total Bond Market Index Fund Institutional Shares (VBTIX) and Schwab U.S. Dividend Equity ETF (SCHD).
VBTIX is managed by Vanguard. It was launched on Sep 18, 1995. 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.
Performance
VBTIX vs. SCHD - Performance Comparison
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VBTIX vs. SCHD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VBTIX Vanguard Total Bond Market Index Fund Institutional Shares | -0.28% | 7.18% | 1.27% | 5.75% | -13.15% | -1.95% | 7.75% | 8.74% | -0.24% | 3.56% |
SCHD Schwab U.S. Dividend Equity ETF | 12.17% | 4.34% | 11.66% | 4.54% | -3.26% | 29.87% | 15.03% | 27.29% | -5.56% | 20.85% |
Returns By Period
In the year-to-date period, VBTIX achieves a -0.28% return, which is significantly lower than SCHD's 12.17% return. Over the past 10 years, VBTIX has underperformed SCHD with an annualized return of 1.61%, while SCHD has yielded a comparatively higher 12.25% annualized return.
VBTIX
- 1D
- 0.21%
- 1M
- -1.63%
- YTD
- -0.28%
- 6M
- 0.40%
- 1Y
- 3.67%
- 3Y*
- 3.52%
- 5Y*
- 0.20%
- 10Y*
- 1.61%
SCHD
- 1D
- -0.55%
- 1M
- -3.43%
- YTD
- 12.17%
- 6M
- 12.91%
- 1Y
- 13.70%
- 3Y*
- 11.84%
- 5Y*
- 8.32%
- 10Y*
- 12.25%
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VBTIX vs. SCHD - Expense Ratio Comparison
VBTIX has a 0.04% expense ratio, which is lower than SCHD's 0.06% expense ratio. Despite the difference, 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
VBTIX vs. SCHD — Risk / Return Rank
VBTIX
SCHD
VBTIX vs. SCHD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Total Bond Market Index Fund Institutional Shares (VBTIX) and Schwab U.S. Dividend Equity ETF (SCHD). 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.
| VBTIX | SCHD | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.93 | 0.88 | +0.05 |
Sortino ratioReturn per unit of downside risk | 1.34 | 1.32 | +0.02 |
Omega ratioGain probability vs. loss probability | 1.16 | 1.19 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.67 | 1.05 | +0.62 |
Martin ratioReturn relative to average drawdown | 4.72 | 3.55 | +1.16 |
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
| VBTIX | SCHD | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.93 | 0.88 | +0.05 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.03 | 0.58 | -0.55 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.33 | 0.74 | -0.41 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.95 | 0.84 | +0.11 |
Correlation
The correlation between VBTIX and SCHD is -0.13. This indicates that the assets' prices tend to move in opposite directions. Negative correlation can be particularly beneficial for diversification and risk management, as one asset may offset the losses of the other during market fluctuations.
Dividends
VBTIX vs. SCHD - Dividend Comparison
VBTIX's dividend yield for the trailing twelve months is around 3.62%, more than SCHD's 3.46% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VBTIX Vanguard Total Bond Market Index Fund Institutional Shares | 3.62% | 3.88% | 3.69% | 3.12% | 2.61% | 1.81% | 2.41% | 2.75% | 2.58% | 2.56% | 2.54% | 2.84% |
SCHD Schwab U.S. Dividend Equity ETF | 3.46% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
Drawdowns
VBTIX vs. SCHD - Drawdown Comparison
The maximum VBTIX drawdown since its inception was -18.90%, smaller than the maximum SCHD drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for VBTIX and SCHD.
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Drawdown Indicators
| VBTIX | SCHD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.90% | -33.37% | +14.47% |
Max Drawdown (1Y)Largest decline over 1 year | -2.73% | -12.74% | +10.01% |
Max Drawdown (5Y)Largest decline over 5 years | -18.13% | -16.85% | -1.28% |
Max Drawdown (10Y)Largest decline over 10 years | -18.90% | -33.37% | +14.47% |
Current DrawdownCurrent decline from peak | -2.94% | -3.43% | +0.49% |
Average DrawdownAverage peak-to-trough decline | -2.32% | -3.34% | +1.02% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.97% | 3.75% | -2.78% |
Volatility
VBTIX vs. SCHD - Volatility Comparison
The current volatility for Vanguard Total Bond Market Index Fund Institutional Shares (VBTIX) is 1.55%, while Schwab U.S. Dividend Equity ETF (SCHD) has a volatility of 2.33%. This indicates that VBTIX experiences smaller price fluctuations and is considered to be less risky than SCHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VBTIX | SCHD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.55% | 2.33% | -0.78% |
Volatility (6M)Calculated over the trailing 6-month period | 2.58% | 7.96% | -5.38% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.36% | 15.69% | -11.33% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.99% | 14.40% | -8.41% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.97% | 16.70% | -11.73% |