VCIT vs. SCHX
VCIT (Vanguard Intermediate-Term Corporate Bond ETF) and SCHX (Schwab U.S. Large-Cap ETF) are both exchange-traded funds - VCIT is a Corporate Bonds fund tracking the Bloomberg U.S. 5-10 Year Corporate Bond Index, while SCHX is a Large Cap Blend Equities fund tracking the Dow Jones U.S. Large-Cap Total Stock Market Index. Both are passively managed. Over the past 10 years, VCIT returned 2.85%/yr vs 15.20%/yr for SCHX. At a 0.04 correlation, their price movements are largely independent. Both charge a 0.03% expense ratio.
Performance
VCIT vs. SCHX - Performance Comparison
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Returns By Period
In the year-to-date period, VCIT achieves a -0.26% return, which is significantly lower than SCHX's 8.56% return. Over the past 10 years, VCIT has underperformed SCHX with an annualized return of 2.85%, while SCHX has yielded a comparatively higher 15.20% annualized return.
VCIT
- 1D
- -0.01%
- 1M
- -0.79%
- YTD
- -0.26%
- 6M
- 0.06%
- 1Y
- 5.98%
- 3Y*
- 6.04%
- 5Y*
- 1.04%
- 10Y*
- 2.85%
SCHX
- 1D
- 0.28%
- 1M
- 0.45%
- YTD
- 8.56%
- 6M
- 8.52%
- 1Y
- 24.19%
- 3Y*
- 21.40%
- 5Y*
- 12.87%
- 10Y*
- 15.20%
VCIT vs. SCHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VCIT Vanguard Intermediate-Term Corporate Bond ETF | -0.26% | 9.34% | 3.20% | 8.98% | -13.98% | -1.77% | 9.46% | 14.10% | -1.74% | 5.31% |
SCHX Schwab U.S. Large-Cap ETF | 8.56% | 17.46% | 24.88% | 26.84% | -19.41% | 26.81% | 20.81% | 31.22% | -4.66% | 21.95% |
Correlation
The correlation between VCIT and SCHX is 0.42, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.42 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.32 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.30 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.19 |
Correlation (All Time) Calculated using the full available price history since Nov 24, 2009 | 0.04 |
Over the past year, VCIT and SCHX have become more correlated (0.42) than their long-term average of 0.04, meaning their price movements have been converging.
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Return for Risk
VCIT vs. SCHX — Risk / Return Rank
VCIT
SCHX
VCIT vs. SCHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Intermediate-Term Corporate Bond ETF (VCIT) and Schwab U.S. Large-Cap ETF (SCHX). 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.
| VCIT | SCHX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.51 | ||
| Sortino ratioReturn per unit of downside risk | -0.51 | ||
| Omega ratioGain probability vs. loss probability | 1.26 | 1.36 | -0.10 |
| Calmar ratioReturn relative to maximum drawdown | 2.03 | 2.69 | -0.66 |
| Martin ratioReturn relative to average drawdown | 6.67 | 12.15 | -5.48 |
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
| VCIT | SCHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.48 | 1.98 | -0.51 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.16 | 0.75 | -0.60 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.46 | 0.84 | -0.38 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.75 | 0.84 | -0.09 |
Drawdowns
VCIT vs. SCHX - Drawdown Comparison
The maximum VCIT drawdown since its inception was -20.56%, smaller than the maximum SCHX drawdown of -34.33%. Use the drawdown chart below to compare losses from any high point for VCIT and SCHX.
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Drawdown Indicators
| VCIT | SCHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -20.56% | -34.33% | +13.77% |
Max Drawdown (1Y)Largest decline over 1 year | -2.96% | -9.02% | +6.06% |
Max Drawdown (3Y)Largest decline over 3 years | -6.11% | -19.04% | +12.93% |
Max Drawdown (5Y)Largest decline over 5 years | -20.56% | -25.41% | +4.85% |
Max Drawdown (10Y)Largest decline over 10 years | -20.56% | -34.33% | +13.77% |
Current DrawdownCurrent decline from peak | -1.79% | -2.64% | +0.85% |
Average DrawdownAverage peak-to-trough decline | -3.16% | -3.97% | +0.81% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.90% | 2.00% | -1.10% |
Volatility
VCIT vs. SCHX - Volatility Comparison
The current volatility for Vanguard Intermediate-Term Corporate Bond ETF (VCIT) is 1.39%, while Schwab U.S. Large-Cap ETF (SCHX) has a volatility of 3.84%. This indicates that VCIT experiences smaller price fluctuations and is considered to be less risky than SCHX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VCIT | SCHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.39% | 3.84% | -2.45% |
Volatility (6M)Calculated over the trailing 6-month period | 3.10% | 9.44% | -6.34% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.07% | 12.27% | -8.20% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.61% | 17.16% | -10.55% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.28% | 18.17% | -11.89% |
VCIT vs. SCHX - Expense Ratio Comparison
Both VCIT and SCHX 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
VCIT vs. SCHX - Dividend Comparison
VCIT's dividend yield for the trailing twelve months is around 4.82%, more than SCHX's 1.03% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SCHX Schwab U.S. Large-Cap ETF | 1.03% | 1.09% | 1.22% | 1.39% | 1.64% | 1.22% | 1.64% | 1.82% | 2.02% | 1.70% | 1.92% | 2.04% |
VCIT Vanguard Intermediate-Term Corporate Bond ETF | 4.82% | 4.62% | 4.43% | 3.72% | 3.03% | 2.87% | 2.78% | 3.37% | 3.61% | 3.21% | 3.29% | 3.34% |
Frequently Asked Questions
VCIT and SCHX have a correlation of 0.42, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SCHX has higher volatility (3.84%) compared to VCIT (1.39%). In terms of maximum drawdown, VCIT dropped -20.56% vs SCHX's -34.33%.
On 10-year performance, SCHX leads with 15.20% vs 2.85% for VCIT. Both ETFs have the same 0.03% expense ratio. On volatility, VCIT has been the lower-risk option at 1.39%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 10-year period, SCHX has performed better with a 15.20% return vs 2.85%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
VCIT and SCHX have the same expense ratio: 0.03% per year.
VCIT has the higher dividend yield at 4.82%, compared with 1.03% for SCHX.
VCIT is categorized as Corporate Bonds, while SCHX is Large Cap Blend Equities. VCIT tracks Bloomberg U.S. 5-10 Year Corporate Bond Index, while SCHX tracks Dow Jones U.S. Large-Cap Total Stock Market Index. They also come from different issuers: Vanguard and Charles Schwab.
SCHX currently has the higher Sharpe Ratio (1.98 vs 1.48), 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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