VPC vs. SCHG
VPC (Virtus Private Credit ETF) and SCHG (Schwab U.S. Large-Cap Growth ETF) are both exchange-traded funds - VPC is a Nontraditional Bonds fund tracking the Indxx Private Credit Index, while SCHG is a Large Cap Growth Equities fund tracking the Dow Jones U.S. Large-Cap Growth Total Stock Market Index. Both are passively managed. Over the past 5 years, VPC returned 0.87%/yr vs 13.15%/yr for SCHG. Their 0.47 correlation means their historical movements had little consistent relationship. VPC charges 0.75%/yr vs 0.04%/yr for SCHG.
Performance
VPC vs. SCHG - Performance Comparison
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Returns By Period
In the year-to-date period, VPC achieves a -11.53% return, which is significantly lower than SCHG's 4.99% return.
VPC
- 1D
- 0.17%
- 1M
- -1.53%
- 6M
- -11.08%
- YTD
- -11.53%
- 1Y
- -16.30%
- 3Y*
- -1.29%
- 5Y*
- 0.87%
- 10Y*
- —
- ALL TIME*
- 3.63%
SCHG
- 1D
- 1.12%
- 1M
- 0.15%
- 6M
- 7.02%
- YTD
- 4.99%
- 1Y
- 16.16%
- 3Y*
- 21.39%
- 5Y*
- 13.15%
- 10Y*
- 18.27%
- ALL TIME*
- 16.34%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $247.66M | $249.87M | $339.91M | |
| $87.07K | $126.50K | $156.13K |
VPC vs. SCHG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
VPC Virtus Private Credit ETF | -11.53% | -6.75% | 10.52% | 22.20% | -11.70% | 34.18% | -9.50% | 9.25% |
SCHG Schwab U.S. Large-Cap Growth ETF | 4.99% | 17.50% | 34.95% | 50.10% | -31.80% | 28.11% | 39.14% | 24.40% |
Correlation
The correlation between VPC and SCHG is 0.44, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.44 |
Correlation (3Y) Balances recent behavior with more history. | 0.41 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.49 |
Correlation (All Time) Calculated using the full available price history since Feb 8, 2019 | 0.47 |
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Return for Risk
VPC vs. SCHG — Risk / Return Rank
VPC
SCHG
VPC vs. SCHG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Virtus Private Credit ETF (VPC) and Schwab U.S. Large-Cap Growth ETF (SCHG). 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.
| VPC | SCHG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.06 | ||
| Sortino ratioReturn per unit of downside risk | -2.92 | ||
| Omega ratioGain probability vs. loss probability | 0.81 | 1.15 | -0.34 |
| Calmar ratioReturn relative to maximum drawdown | -0.79 | 0.83 | -1.62 |
| Martin ratioReturn relative to average drawdown | -1.37 | 2.62 | -3.98 |
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Drawdowns
VPC vs. SCHG - Drawdown Comparison
The maximum VPC drawdown since its inception was -53.45%, which is greater than SCHG's maximum drawdown of -34.59%. Use the drawdown chart below to compare losses from any high point for VPC and SCHG.
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Drawdown Indicators
| VPC | SCHG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -53.45% | -34.59% | -18.86% |
Max Drawdown (1Y)Largest decline over 1 year | -21.55% | -16.41% | -5.14% |
Max Drawdown (3Y)Largest decline over 3 years | -24.86% | -23.39% | -1.47% |
Max Drawdown (5Y)Largest decline over 5 years | -24.86% | -34.59% | +9.73% |
Max Drawdown (10Y)Largest decline over 10 years | — | -34.59% | — |
Current DrawdownCurrent decline from peak | -21.64% | -3.10% | -18.54% |
Average DrawdownAverage peak-to-trough decline | -7.95% | -5.19% | -2.76% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.51% | 5.19% | +7.32% |
Volatility
VPC vs. SCHG - Volatility Comparison
The current volatility for Virtus Private Credit ETF (VPC) is 3.44%, while Schwab U.S. Large-Cap Growth ETF (SCHG) has a volatility of 4.32%. This indicates that VPC experiences smaller price fluctuations and is considered to be less risky than SCHG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VPC | SCHG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.44% | 4.32% | -0.88% |
Volatility (6M)Calculated over the trailing 6-month period | 11.09% | 12.90% | -1.81% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.74% | 16.67% | -2.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.58% | 22.42% | -8.84% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 20.42% | 21.59% | -1.17% |
VPC vs. SCHG - Expense Ratio Comparison
VPC has a 0.75% expense ratio, which is higher than SCHG's 0.04% expense ratio.
Dividends
VPC vs. SCHG - Dividend Comparison
VPC's dividend yield for the trailing twelve months is around 16.46%, more than SCHG's 0.38% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SCHG Schwab U.S. Large-Cap Growth ETF | 0.38% | 0.36% | 0.39% | 0.46% | 0.55% | 0.42% | 0.52% | 0.82% | 1.27% | 1.01% | 1.04% | 1.22% |
VPC Virtus Private Credit ETF | 16.46% | 14.33% | 11.26% | 11.71% | 10.74% | 6.31% | 10.06% | 8.19% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
VPC and SCHG have a correlation of 0.44, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SCHG has higher volatility (4.32%) compared to VPC (3.44%). In terms of maximum drawdown, VPC dropped -53.45% vs SCHG's -34.59%.
On 5-year performance, SCHG leads with 13.15% vs 0.87% for VPC. On fees, SCHG is cheaper at 0.04% per year. On volatility, VPC has been the lower-risk option at 3.44%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 5-year period, SCHG has performed better with a 13.15% return vs 0.87%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
SCHG is cheaper with a 0.04% expense ratio, compared with 0.75% for VPC.
VPC has the higher dividend yield at 16.46%, compared with 0.38% for SCHG.
VPC is categorized as Nontraditional Bonds, while SCHG is Large Cap Growth Equities. VPC tracks Indxx Private Credit Index, while SCHG tracks Dow Jones U.S. Large-Cap Growth Total Stock Market Index. They also come from different issuers: Virtus and Charles Schwab. Their fees differ too: 0.75% for VPC and 0.04% for SCHG.
SCHG currently has the higher Sharpe Ratio (0.82 vs -1.25), 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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