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VTI vs. SCHD
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VTI vs. SCHD

Last updated Apr 16, 2026

VTI (Vanguard Total Stock Market ETF) and SCHD (Schwab U.S. Dividend Equity ETF) are both exchange-traded funds — VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index, while SCHD is a Dividend fund tracking the Dow Jones U.S. Dividend 100 Index. Both are passively managed. Over the past 10 years, VTI returned 14.38%/yr vs 12.28%/yr for SCHD. Their correlation of 0.82 suggests significant overlap in exposure. VTI charges 0.03%/yr vs 0.06%/yr for SCHD.

Performance

VTI vs. SCHD - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Total Stock Market ETF (VTI) 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, VTI achieves a 3.30% return, which is significantly lower than SCHD's 12.68% return. Over the past 10 years, VTI has outperformed SCHD with an annualized return of 14.38%, while SCHD has yielded a comparatively lower 12.28% annualized return.

VTI

1D
0.76%
1M
5.12%
YTD
3.30%
6M
5.76%
1Y
32.47%
3Y*
20.57%
5Y*
11.27%
10Y*
14.38%

SCHD

1D
-0.20%
1M
0.13%
YTD
12.68%
6M
16.60%
1Y
25.19%
3Y*
11.80%
5Y*
7.87%
10Y*
12.28%
*Multi-year figures are annualized to reflect compound growth (CAGR)

VTI vs. SCHD - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VTI
Vanguard Total Stock Market ETF		3.30%17.10%23.81%26.05%-19.52%25.68%21.08%30.67%-5.23%21.21%
SCHD
Schwab U.S. Dividend Equity ETF		12.68%4.34%11.66%4.54%-3.26%29.87%15.03%27.29%-5.56%20.85%

Correlation

The correlation between VTI and SCHD is 0.48, which is low. Their price movements are largely independent, making them effective diversification partners.

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

0.48

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

0.61

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

0.73

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

0.82

Over the past year, the correlation between VTI and SCHD has dropped to 0.48 — well below their long-term average of 0.82, suggesting their price drivers have been diverging.

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.

Vanguard Total Stock Market ETF

Schwab U.S. Dividend Equity ETF

Often compared with VTI:
VTI vs. VOOVTI vs. VXUSVTI vs. SPYVTI vs. VTVTI vs. FZROXVTI vs. QQQVTI vs. SCHB
Often compared with SCHD:
SCHD vs. VOOSCHD vs. VYMSCHD vs. SPYSCHD vs. SCHGSCHD vs. JEPISCHD vs. FDVVSCHD vs. VIG

Return for Risk

VTI vs. SCHD — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VTI
VTI Risk / Return Rank: 6767
Overall Rank
VTI Sharpe Ratio Rank: 6868
Sharpe Ratio Rank
VTI Sortino Ratio Rank: 6767
Sortino Ratio Rank
VTI Omega Ratio Rank: 6969
Omega Ratio Rank
VTI Calmar Ratio Rank: 5959
Calmar Ratio Rank
VTI Martin Ratio Rank: 7474
Martin Ratio Rank
SCHD
SCHD Risk / Return Rank: 6565
Overall Rank
SCHD Sharpe Ratio Rank: 5757
Sharpe Ratio Rank
SCHD Sortino Ratio Rank: 6666
Sortino Ratio Rank
SCHD Omega Ratio Rank: 5353
Omega Ratio Rank
SCHD Calmar Ratio Rank: 8686
Calmar Ratio Rank
SCHD Martin Ratio Rank: 6060
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.

VTI vs. SCHD - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Total Stock Market ETF (VTI) 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.

VTISCHDDifference

Sharpe ratio

Return per unit of total volatility

2.42

2.17

+0.25

Sortino ratio

Return per unit of downside risk

3.35

3.33

+0.02

Omega ratio

Gain probability vs. loss probability

1.45

1.38

+0.06

Calmar ratio

Return relative to maximum drawdown

3.75

5.60

-1.85

Martin ratio

Return relative to average drawdown

16.93

13.72

+3.20

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

VTI vs. SCHD - Sharpe Ratio Comparison

The current VTI Sharpe Ratio is 2.42, which is comparable to the SCHD Sharpe Ratio of 2.17. The chart below compares the historical Sharpe Ratios of VTI 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

VTISCHDDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

2.42

2.17

+0.25

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.65

0.55

+0.10

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.79

0.74

+0.05

Sharpe Ratio (All Time)

Calculated using the full available price history

0.49

0.84

-0.35

Drawdowns

VTI vs. SCHD - Drawdown Comparison

The maximum VTI drawdown since its inception was -55.45%, which is greater than SCHD's maximum drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for VTI and SCHD.

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Drawdown Indicators

VTISCHDDifference

Max Drawdown

Largest peak-to-trough decline

-55.45%

-33.37%

-22.08%

Max Drawdown (1Y)

Largest decline over 1 year

-8.92%

-4.61%

-4.31%

Max Drawdown (5Y)

Largest decline over 5 years

-25.36%

-16.85%

-8.51%

Max Drawdown (10Y)

Largest decline over 10 years

-35.00%

-33.37%

-1.63%

Current Drawdown

Current decline from peak

0.00%

-2.98%

+2.98%

Average Drawdown

Average peak-to-trough decline

-8.07%

-3.34%

-4.73%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.98%

1.88%

+0.10%

Volatility

VTI vs. SCHD - Volatility Comparison

Vanguard Total Stock Market ETF (VTI) has a higher volatility of 5.64% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 2.68%. This indicates that VTI'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

VTISCHDDifference

Volatility (1M)

Calculated over the trailing 1-month period

5.64%

2.68%

+2.96%

Volatility (6M)

Calculated over the trailing 6-month period

9.68%

7.79%

+1.89%

Volatility (1Y)

Calculated over the trailing 1-year period

13.54%

11.75%

+1.79%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

17.45%

14.41%

+3.04%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

18.30%

16.70%

+1.60%

VTI vs. SCHD - Expense Ratio Comparison

VTI has a 0.03% expense ratio, which is lower than SCHD's 0.06% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

VTI vs. SCHD - Dividend Comparison

VTI's dividend yield for the trailing twelve months is around 1.09%, less than SCHD's 3.44% yield.

TTM20252024202320222021202020192018201720162015
VTI
Vanguard Total Stock Market ETF		1.09%1.12%1.27%1.44%1.66%1.21%1.42%1.78%2.04%1.71%1.92%1.98%
SCHD
Schwab U.S. Dividend Equity ETF		3.44%3.82%3.64%3.49%3.39%2.78%3.16%2.98%3.06%2.63%2.89%2.97%