VT vs. SCHF

Last updated Jun 14, 2026

VT (Vanguard Total World Stock ETF) and SCHF (Schwab International Equity ETF) are both exchange-traded funds - VT is a Global Equities fund tracking the FTSE Global All Cap Index, while SCHF is a Foreign Large Cap Equities fund tracking the FTSE Developed ex U.S. Index. Both are passively managed. Over the past 10 years, VT returned 12.93%/yr vs 10.82%/yr for SCHF. Their correlation of 0.93 suggests significant overlap in exposure. Both charge a 0.06% expense ratio.

Performance

VT vs. SCHF - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Total World Stock ETF (VT) and Schwab International Equity ETF (SCHF). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, VT achieves a 11.06% return, which is significantly lower than SCHF's 15.39% return. Over the past 10 years, VT has outperformed SCHF with an annualized return of 12.93%, while SCHF has yielded a comparatively lower 10.82% annualized return.

VT

• 1D: 0.44%
• 1M: 1.80%
• YTD: 11.06%
• 6M: 11.82%
• 1Y: 27.43%
• 3Y*: 19.71%
• 5Y*: 10.65%
• 10Y*: 12.93%

SCHF

• 1D: 0.29%
• 1M: 3.90%
• YTD: 15.39%
• 6M: 17.24%
• 1Y: 31.75%
• 3Y*: 19.18%
• 5Y*: 9.76%
• 10Y*: 10.82%

*Multi-year figures are annualized to reflect compound growth (CAGR)

VT vs. SCHF - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
VT Vanguard Total World Stock ETF	11.06%	22.43%	16.49%	22.02%	-18.00%	18.27%	16.59%	26.81%	-9.76%	24.50%
SCHF Schwab International Equity ETF	15.39%	34.55%	3.28%	18.35%	-14.80%	11.40%	9.48%	22.26%	-14.29%	26.03%

Correlation

The correlation between VT and SCHF is 0.92, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.92
Correlation (3Y) Calculated over the trailing 3-year period	0.88
Correlation (5Y) Calculated over the trailing 5-year period	0.90
Correlation (10Y) Calculated over the trailing 10-year period	0.92
Correlation (All Time) Calculated using the full available price history since Nov 3, 2009	0.93

The correlation between VT and SCHF has been stable across timeframes, ranging from 0.88 to 0.93 - a consistent structural relationship.

VT vs. SCHF - Sectors Allocation Comparison

Sectors	VT	SCHF
Technology	27.8%	17.6%
Financial Services	15.9%	23.3%
Industrials	12.0%	18.1%
Consumer Cyclical	9.5%	7.3%
Communication Services	8.3%	3.6%
Healthcare	8.1%	7.0%
Consumer Defensive	4.8%	5.7%
Energy	4.3%	4.7%
Basic Materials	4.2%	7.4%
Utilities	2.7%	3.2%
Real Estate	2.4%	2.0%

Return for Risk

VT vs. SCHF — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

VT

VT Risk / Return Rank: 68
VT Sharpe Ratio Rank: 69
VT Sortino Ratio Rank: 68
VT Omega Ratio Rank: 69
VT Calmar Ratio Rank: 62
VT Martin Ratio Rank: 72

SCHF

SCHF Risk / Return Rank: 63
SCHF Sharpe Ratio Rank: 64
SCHF Sortino Ratio Rank: 62
SCHF Omega Ratio Rank: 63
SCHF Calmar Ratio Rank: 61
SCHF Martin Ratio Rank: 64

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.

VT vs. SCHF - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Total World Stock ETF (VT) and Schwab International Equity ETF (SCHF). 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.

	VT	SCHF	Difference
Sharpe ratio: Return per unit of total volatility	1.94	1.82	+0.12
Sortino ratio: Return per unit of downside risk	2.67	2.52	+0.15
Omega ratio: Gain probability vs. loss probability	1.35	1.33	+0.02
Calmar ratio: Return relative to maximum drawdown	2.68	2.64	+0.04
Martin ratio: Return relative to average drawdown	11.67	10.14	+1.53

VT vs. SCHF - Sharpe Ratio Comparison

The current VT Sharpe Ratio is 1.94, which is comparable to the SCHF Sharpe Ratio of 1.82. The chart below compares the historical Sharpe Ratios of VT and SCHF, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

VT vs. SCHF - Drawdown Comparison

The maximum VT drawdown since its inception was -50.27%, which is greater than SCHF's maximum drawdown of -34.87%. Use the drawdown chart below to compare losses from any high point for VT and SCHF.

Drawdown Indicators

	VT	SCHF	Difference
Max Drawdown Largest peak-to-trough decline	-50.27%	-34.87%	-15.40%
Max Drawdown (1Y) Largest decline over 1 year	-9.67%	-11.48%	+1.81%
Max Drawdown (3Y) Largest decline over 3 years	-16.51%	-13.41%	-3.10%
Max Drawdown (5Y) Largest decline over 5 years	-26.38%	-29.14%	+2.76%
Max Drawdown (10Y) Largest decline over 10 years	-34.24%	-34.87%	+0.63%
Current Drawdown Current decline from peak	-1.92%	-1.00%	-0.92%
Average Drawdown Average peak-to-trough decline	-7.01%	-7.37%	+0.36%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.22%	2.99%	-0.77%

Volatility

VT vs. SCHF - Volatility Comparison

The current volatility for Vanguard Total World Stock ETF (VT) is 5.26%, while Schwab International Equity ETF (SCHF) has a volatility of 6.91%. This indicates that VT experiences smaller price fluctuations and is considered to be less risky than SCHF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	VT	SCHF	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.26%	6.91%	-1.65%
Volatility (6M) Calculated over the trailing 6-month period	11.01%	14.42%	-3.41%
Volatility (1Y) Calculated over the trailing 1-year period	13.38%	16.67%	-3.29%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	16.15%	16.56%	-0.41%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	17.27%	17.24%	+0.03%

VT vs. SCHF - Expense Ratio Comparison

Both VT and SCHF have an expense ratio of 0.06%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.

Dividends

VT vs. SCHF - Dividend Comparison

VT's dividend yield for the trailing twelve months is around 1.61%, less than SCHF's 2.96% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SCHF Schwab International Equity ETF	2.96%	3.42%	3.26%	2.97%	2.80%	3.19%	2.08%	2.95%	3.06%	2.35%	2.58%	2.26%
VT Vanguard Total World Stock ETF	1.61%	1.82%	1.95%	2.08%	2.20%	1.82%	1.66%	2.32%	2.53%	2.11%	2.39%	2.45%

Frequently Asked Questions

Can I hold both VT and SCHF in my portfolio?

With a correlation of 0.92, VT and SCHF move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, VT or SCHF?

SCHF has higher volatility (6.91%) compared to VT (5.26%). In terms of maximum drawdown, VT dropped -50.27% vs SCHF's -34.87%.

Which ETF is better, VT or SCHF?

On 10-year performance, VT leads with 12.93% vs 10.82% for SCHF. Both ETFs have the same 0.06% expense ratio. On volatility, VT has been the lower-risk option at 5.26%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, VT or SCHF?

Over the 10-year period, VT has performed better with a 12.93% return vs 10.82%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, VT or SCHF?

VT and SCHF have the same expense ratio: 0.06% per year.

Which ETF pays a higher dividend yield, VT or SCHF?

SCHF has the higher dividend yield at 2.96%, compared with 1.61% for VT.

What is the main difference between VT and SCHF?

VT is categorized as Global Equities, while SCHF is Foreign Large Cap Equities. VT tracks FTSE Global All Cap Index, while SCHF tracks FTSE Developed ex U.S. Index. They also come from different issuers: Vanguard and Charles Schwab.

Which has better risk-adjusted returns?

VT currently has the higher Sharpe Ratio (1.94 vs 1.82), 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.