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VFIDX vs. SCHD
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VFIDX vs. SCHD

Last updated Jun 4, 2026

VFIDX (Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares) and SCHD (Schwab U.S. Dividend Equity ETF) are both funds - VFIDX is a Total Bond Market fund managed by Vanguard, while SCHD is a Dividend fund tracking the Dow Jones U.S. Dividend 100 Index. Over the past 10 years, VFIDX returned 2.79%/yr vs 12.77%/yr for SCHD. At a correlation of -0.07, they often move in opposite directions. VFIDX charges 0.10%/yr vs 0.06%/yr for SCHD.

Performance

VFIDX vs. SCHD - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares (VFIDX) and Schwab U.S. Dividend Equity ETF (SCHD). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, VFIDX achieves a 0.42% return, which is significantly lower than SCHD's 19.01% return. Over the past 10 years, VFIDX has underperformed SCHD with an annualized return of 2.79%, while SCHD has yielded a comparatively higher 12.77% annualized return.

VFIDX

1D
0.11%
1M
0.66%
YTD
0.42%
6M
0.50%
1Y
6.64%
3Y*
6.17%
5Y*
1.43%
10Y*
2.79%

SCHD

1D
0.00%
1M
2.70%
YTD
19.01%
6M
18.63%
1Y
27.16%
3Y*
15.09%
5Y*
8.36%
10Y*
12.77%
*Multi-year figures are annualized to reflect compound growth (CAGR)

VFIDX vs. SCHD - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VFIDX
Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares		0.42%9.67%3.29%8.63%-13.77%-1.51%10.44%10.50%-0.44%4.28%
SCHD
Schwab U.S. Dividend Equity ETF		19.01%4.34%11.66%4.54%-3.26%29.87%15.03%27.29%-5.56%20.85%

Correlation

The correlation between VFIDX and SCHD is 0.21, which is low. Their price movements are largely independent, making them effective diversification partners.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.21

Correlation (3Y)
Calculated over the trailing 3-year period

0.24

Correlation (5Y)
Calculated over the trailing 5-year period

0.18

Correlation (10Y)
Calculated over the trailing 10-year period

0.03

Correlation (All Time)
Calculated using the full available price history since Oct 21, 2011

-0.07

The correlation between VFIDX and SCHD shifts across timeframes, from -0.07 (all time) to 0.24 (3 years), reflecting how their relationship changes across market environments.

VFIDX vs. SCHD - Sectors Allocation Comparison

Sectors
VFIDX
SCHD

Financial Services

0.4%
9.3%

Real Estate

0.0%

-

Basic Materials

-

1.2%

Communication Services

-

6.3%

Consumer Cyclical

-

6.3%

Consumer Defensive

-

19.2%

Healthcare

-

18.8%

Industrials

-

7.5%

Technology

-

16.4%

Utilities

-

0.0%

Energy

-0.0%
16.2%

Financial Services

VFIDX
0.4%
SCHD
9.3%

Real Estate

VFIDX
0.0%
SCHD

-

Basic Materials

VFIDX

-

SCHD
1.2%

Communication Services

VFIDX

-

SCHD
6.3%

Consumer Cyclical

VFIDX

-

SCHD
6.3%

Consumer Defensive

VFIDX

-

SCHD
19.2%

Healthcare

VFIDX

-

SCHD
18.8%

Industrials

VFIDX

-

SCHD
7.5%

Technology

VFIDX

-

SCHD
16.4%

Utilities

VFIDX

-

SCHD
0.0%

Energy

VFIDX
-0.0%
SCHD
16.2%

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Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares

Schwab U.S. Dividend Equity ETF

Often compared with VFIDX:
VFIDX vs. VFSUXVFIDX vs. BNDXVFIDX vs. FTHRXVFIDX vs. VBLAXVFIDX vs. IGSBVFIDX vs. VFIJXVFIDX vs. FSRIX
Often compared with SCHD:
SCHD vs. VOOSCHD vs. VYMSCHD vs. SPYSCHD vs. SCHGSCHD vs. JEPISCHD vs. FDVVSCHD vs. VIG

Return for Risk

VFIDX vs. SCHD — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VFIDX
VFIDX Risk / Return Rank: 3131
Overall Rank
VFIDX Sharpe Ratio Rank: 3131
Sharpe Ratio Rank
VFIDX Sortino Ratio Rank: 3333
Sortino Ratio Rank
VFIDX Omega Ratio Rank: 3131
Omega Ratio Rank
VFIDX Calmar Ratio Rank: 2929
Calmar Ratio Rank
VFIDX Martin Ratio Rank: 3030
Martin Ratio Rank
SCHD
SCHD Risk / Return Rank: 8080
Overall Rank
SCHD Sharpe Ratio Rank: 7575
Sharpe Ratio Rank
SCHD Sortino Ratio Rank: 8484
Sortino Ratio Rank
SCHD Omega Ratio Rank: 7373
Omega Ratio Rank
SCHD Calmar Ratio Rank: 9191
Calmar Ratio Rank
SCHD Martin Ratio Rank: 7575
Martin Ratio Rank
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.

VFIDX vs. SCHD - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares (VFIDX) 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.

VFIDXSCHDDifference
Sharpe ratioReturn per unit of total volatility
1.59
2.49

-0.90

Sortino ratioReturn per unit of downside risk
2.40
3.87

-1.47

Omega ratioGain probability vs. loss probability

1.29

1.45

-0.15

Calmar ratioReturn relative to maximum drawdown

2.04

5.91

-3.88

Martin ratioReturn relative to average drawdown

7.00

14.53

-7.53

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

VFIDX vs. SCHD - Sharpe Ratio Comparison

The current VFIDX Sharpe Ratio is 1.59, which is lower than the SCHD Sharpe Ratio of 2.49. The chart below compares the historical Sharpe Ratios of VFIDX and SCHD, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Sharpe Ratios by Period

VFIDXSCHDDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

1.59

2.49

-0.90

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.23

0.58

-0.36

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.54

0.77

-0.23

Sharpe Ratio (All Time)

Calculated using the full available price history

0.88

0.86

+0.02

Drawdowns

VFIDX vs. SCHD - Drawdown Comparison

The maximum VFIDX drawdown since its inception was -20.14%, smaller than the maximum SCHD drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for VFIDX and SCHD.

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Drawdown Indicators

VFIDXSCHDDifference

Max Drawdown

Largest peak-to-trough decline

-20.14%

-33.37%

+13.23%

Max Drawdown (1Y)

Largest decline over 1 year

-3.34%

-4.61%

+1.27%

Max Drawdown (3Y)

Largest decline over 3 years

-6.08%

-16.13%

+10.05%

Max Drawdown (5Y)

Largest decline over 5 years

-20.14%

-16.85%

-3.29%

Max Drawdown (10Y)

Largest decline over 10 years

-20.14%

-33.37%

+13.23%

Current Drawdown

Current decline from peak

-1.06%

-1.40%

+0.34%

Average Drawdown

Average peak-to-trough decline

-2.60%

-3.32%

+0.72%

Ulcer Index

Depth and duration of drawdowns from previous peaks

0.97%

1.88%

-0.91%

Volatility

VFIDX vs. SCHD - Volatility Comparison

The current volatility for Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares (VFIDX) is 1.56%, while Schwab U.S. Dividend Equity ETF (SCHD) has a volatility of 2.66%. This indicates that VFIDX 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

VFIDXSCHDDifference

Volatility (1M)

Calculated over the trailing 1-month period

1.56%

2.66%

-1.10%

Volatility (6M)

Calculated over the trailing 6-month period

3.12%

7.66%

-4.54%

Volatility (1Y)

Calculated over the trailing 1-year period

4.29%

10.96%

-6.67%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

6.39%

14.38%

-7.99%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

5.20%

16.72%

-11.52%

VFIDX vs. SCHD - Expense Ratio Comparison

VFIDX has a 0.10% expense ratio, which is higher than SCHD's 0.06% 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%.

Dividends

VFIDX vs. SCHD - Dividend Comparison

VFIDX's dividend yield for the trailing twelve months is around 5.09%, more than SCHD's 3.26% yield.

PositionTTM20252024202320222021202020192018201720162015
SCHD
Schwab U.S. Dividend Equity ETF		3.26%3.82%3.64%3.49%3.39%2.78%3.16%2.98%3.06%2.63%2.89%2.97%
VFIDX
Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares		5.09%4.91%4.65%3.90%3.20%3.61%5.80%3.13%3.32%3.06%3.94%3.64%

Frequently Asked Questions

VFIDX and SCHD have a correlation of 0.21, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

SCHD has higher volatility (2.66%) compared to VFIDX (1.56%). In terms of maximum drawdown, VFIDX dropped -20.14% vs SCHD's -33.37%.

SCHD currently has the higher Sharpe Ratio (2.49 vs 1.59), 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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