Compare/Updated Oct 26, 2026, refreshed every trading day
SCHD vs VTI
Schwab U.S. Dividend Equity ETF against Vanguard Morningstar Total Stock Market ETF: 4 years of returns, risk and today’s technical read, from Kavout’s own data.
VTI did better over the 1,000-trading-day period: $1,000 invested on October 28, 2022 grew to $2,017, a 101.7% gain, versus $1,649 and a 64.9% gain for SCHD. VTI also led over three years, 81.9% to 67.2%, reflecting broader equity exposure and stronger participation in the market’s gains. The trade-off was higher risk: VTI’s 12-month volatility was 12.9% versus 11.3% for SCHD, and its worst drawdown was -19.3% versus -16.1%. SCHD had recently stronger momentum, gaining 31.8% year to date and 35.2% over one year, compared with VTI’s 12.2% and 14.7%, respectively. SCHD’s lower 0.06% expense ratio was not an advantage over VTI’s 0.03%. Overall, VTI delivered substantially better long-term growth, while SCHD offered somewhat lower volatility and drawdown risk.
- Price is above its 200-day average ($32); 50-day at $34.
- RSI 73, overbought. Supertrend says buy. ADX 33, so the trend is strong.
- Price is above its 200-day average ($357); 50-day at $377.
- RSI 42, neutral. Supertrend says sell. ADX 14, so the trend is weak.
Head to head
Which has returned more, SCHD or VTI?
SCHD beat VTI in 21 of the last 48 months; VTI won the other 27. The typical monthly gap was 2.81 points.
Total return by period
Which is riskier?
SCHD: Nov 29, 2024 to Apr 8, 2025; VTI: Feb 19, 2025 to Apr 8, 2025
- 0.692
- correlation of daily moves, 4 years
- 0.60
- SCHD move per 1% in VTI
- 0.251
- correlation, last 12 months
Month by month
Of the last 48 months. The typical gap was 2.81 points.
When did they diverge?
| Month | SCHD | VTI | Gap |
|---|---|---|---|
| October 2026 | +8.4% | -0.3% | +8.75 pts |
| January 2026 | +8.7% | +1.6% | +7.12 pts |
| February 2026 | +6.5% | -0.5% | +7.06 pts |
| April 2025 | -7.7% | -0.7% | -6.93 pts |
Where the numbers come from. 1000 daily adjusted closes per fund from the Kavout market-data API, dividends included. Signals and indicators are Kavout’s own, refreshed nightly. Every figure is calculated from those adjusted closes.
Holdings and fees
What do you actually own with SCHD and VTI?
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