VSVNX vs. SCHD
Compare and contrast key facts about Vanguard Target Retirement 2070 Fund (VSVNX) and Schwab U.S. Dividend Equity ETF (SCHD).
VSVNX is managed by Vanguard. It was launched on Jun 28, 2022. 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
VSVNX vs. SCHD - Performance Comparison
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VSVNX vs. SCHD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|---|
VSVNX Vanguard Target Retirement 2070 Fund | -1.45% | 21.43% | 14.38% | 20.45% | 1.72% |
SCHD Schwab U.S. Dividend Equity ETF | 12.17% | 4.34% | 11.66% | 4.54% | 7.37% |
Returns By Period
In the year-to-date period, VSVNX achieves a -1.45% return, which is significantly lower than SCHD's 12.17% return.
VSVNX
- 1D
- 2.65%
- 1M
- -5.54%
- YTD
- -1.45%
- 6M
- 1.17%
- 1Y
- 19.95%
- 3Y*
- 15.63%
- 5Y*
- —
- 10Y*
- —
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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VSVNX vs. SCHD - Expense Ratio Comparison
VSVNX has a 0.08% 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%.
Return for Risk
VSVNX vs. SCHD — Risk / Return Rank
VSVNX
SCHD
VSVNX vs. SCHD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2070 Fund (VSVNX) 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.
| VSVNX | SCHD | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.37 | 0.88 | +0.49 |
Sortino ratioReturn per unit of downside risk | 1.96 | 1.32 | +0.64 |
Omega ratioGain probability vs. loss probability | 1.29 | 1.19 | +0.10 |
Calmar ratioReturn relative to maximum drawdown | 1.94 | 1.05 | +0.89 |
Martin ratioReturn relative to average drawdown | 8.78 | 3.55 | +5.23 |
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
| VSVNX | SCHD | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.37 | 0.88 | +0.49 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | — | 0.58 | — |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.74 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.10 | 0.84 | +0.26 |
Correlation
The correlation between VSVNX and SCHD is 0.69, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
Dividends
VSVNX vs. SCHD - Dividend Comparison
VSVNX's dividend yield for the trailing twelve months is around 1.85%, less than SCHD's 3.46% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VSVNX Vanguard Target Retirement 2070 Fund | 1.85% | 1.82% | 1.79% | 1.57% | 0.91% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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
VSVNX vs. SCHD - Drawdown Comparison
The maximum VSVNX drawdown since its inception was -15.39%, smaller than the maximum SCHD drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for VSVNX and SCHD.
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Drawdown Indicators
| VSVNX | SCHD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.39% | -33.37% | +17.98% |
Max Drawdown (1Y)Largest decline over 1 year | -10.50% | -12.74% | +2.24% |
Max Drawdown (5Y)Largest decline over 5 years | — | -16.85% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.37% | — |
Current DrawdownCurrent decline from peak | -6.53% | -3.43% | -3.10% |
Average DrawdownAverage peak-to-trough decline | -2.57% | -3.34% | +0.77% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.32% | 3.75% | -1.43% |
Volatility
VSVNX vs. SCHD - Volatility Comparison
Vanguard Target Retirement 2070 Fund (VSVNX) has a higher volatility of 5.60% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 2.33%. This indicates that VSVNX's price experiences larger fluctuations and is considered to be riskier 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
| VSVNX | SCHD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.60% | 2.33% | +3.27% |
Volatility (6M)Calculated over the trailing 6-month period | 8.96% | 7.96% | +1.00% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.96% | 15.69% | -0.73% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.73% | 14.40% | -0.67% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.73% | 16.70% | -2.97% |