Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
SCHP vs VTIP: how they differ
SCHP and VTIP hold 49% of their weight in the same names, and VTIP returned more over the year.
Schwab U.S. TIPS ETF and Vanguard Short-Term Inflation-Protected Securities Index Fund.
What they hold in common
By the books each fund has filed, SCHP and VTIP hold 49% of their money in the same securities at the same weight.
| Holding | SCHP | VTIP |
|---|---|---|
| United States Treasury | 3.42% | 5.44% |
| United States Treasury | 3.39% | 5.36% |
| United States Treasury | 3.29% | 5.38% |
| United States Treasury | 3.17% | 5.19% |
| United States Treasury | 3.15% | 5.02% |
| United States Treasury | 3.06% | 4.87% |
| United States Treasury | 2.98% | 4.75% |
| United States Treasury | 2.91% | 4.63% |
| United States Treasury | 2.81% | 4.46% |
| United States Treasury | 2.70% | 4.30% |
| United States Treasury | 2.66% | 4.24% |
| United States Treasury | 2.60% | 4.15% |
| Only in SCHP | Only in VTIP |
|---|---|
| United States Treasury 4.09% | United States Treasury Inflation Indexed 4.88% |
| United States Treasury 4.03% | United States Treasury Inflation Indexed 4.79% |
| United States Treasury 4.02% | United States Treasury Inflation Indexed 4.33% |
| United States Treasury 3.79% | United States Treasury Inflation Indexed 3.90% |
| United States Treasury 3.62% | United States Treasury Inflation Indexed 1.99% |
| United States Treasury 3.38% | |
| United States Treasury 3.35% | |
| United States Treasury 3.35% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026.
| SCHP Schwab U.S. TIPS ETF | VTIP Vanguard Short-Term Inflation-Protected Securities Index Fund | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Schwab | Vanguard |
| What it is | US TIPS | Short-Term Inflation-Protected Securities |
| Total return, 1 year | −0.8% | +1.7% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −18.4 pts | −15.8 pts |
| Expense ratio | 0.03% | 0.03% |
| Holdings | 48 | 25 |
SCHP in plain words
SCHP is a bond fund tracking the US TIPS. Over the year to Sep 11, 2026 it returned −0.8% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.03% a year.
VTIP in plain words
VTIP is a bond fund tracking the Short-Term Inflation-Protected Securities. Over the year to Sep 11, 2026 it returned +1.7% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100.
Questions people ask
- Which returned more over the last year, SCHP or VTIP?
- In the year to Sep 12, 2026, with distributions reinvested, SCHP returned −0.8% and VTIP returned +1.7%, so VTIP returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, SCHP or VTIP?
- SCHP charges 0.03% a year and VTIP charges 0.03%, so SCHP is cheaper. Fees come from each fund's prospectus.
Other comparisons
Where to next
Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, SCHP against VTIP, data as of Sep 12, 2026. https://etfiq.com/compare/any/SCHP-VTIP Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources