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Data as of Oct 28, 2026.

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SCHD vs VTIP: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SCHD returned +34.5% to VTIP's +2.2%; 0% of their weight is in the same names.

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Net assets: $112.3bn on Aug 31, 2026 for Schwab U.S. Dividend Equity ETF, and $20.9bn on Sep 30, 2026 for Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares.

SCHD on its own →VTIP on its own →
At a glance
+34.5%
SCHD total return, 1 year
+2.2%
VTIP total return, 1 year
0.06%
SCHD expense ratio
0.03%
VTIP expense ratio

Pair scorecard

VTIP costs 0.03 points a year less; their one-year returns differ by 32.3 points.

SCHD vs VTIP: Differences, Returns & Fees
MeasureSCHDVTIP
Return
Total return, 1 year+34.5%+2.2%
Benchmark
What it tracksDow Jones U.S. Dividend 100 IndexBloomberg U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Years Index
Cost and size
Expense ratio0.06%0.03%
Net assets, SCHD as of Aug 31, 2026 and VTIP as of Sep 30, 2026$112.3bn$20.9bn
Holdings
Holdings in common0%
In the S&P 500, by weight95%
Top ten holdings, share of the fund41.7%

Holdings in common uses holdings dated Aug 31, 2026 and Sep 30, 2026. Method

What they share

0%

By the books each fund has filed, SCHD and VTIP hold 0% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Sep 30, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first SCHD VTIP
Only in one fund ↓
Only in SCHD
Merck & Co Inc 4.76%
Amgen Inc 4.70%
Abbott Laboratories 4.68%
Coca-Cola Co 4.16%
Chevron Corp 4.01%
Verizon Communications Inc 3.96%
ConocoPhillips 3.93%
Home Depot Inc 3.87%
Only in VTIP
United States Treasury Inflation Indexed Bonds 5.30%
United States Treasury Inflation Indexed Bonds 5.22%
United States Treasury Inflation Indexed Bonds 5.22%
United States Treasury Inflation Indexed Bonds 5.14%
United States Treasury Inflation Indexed Bonds 4.97%
United States Treasury Inflation Indexed Bonds 4.96%
United States Treasury Inflation Indexed Bonds 4.87%
United States Treasury Inflation Indexed Bonds 4.83%
Check overlap with more funds →

Side by side

SCHD Schwab U.S. Dividend Equity ETF VTIP Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares
Where it sits Stock ETF Bond ETF
Issuer Schwab Vanguard
What it is Tracks an index of US dividend Tracks an index of Short-Term Inflation-Protected Securities
Total return, 1 year +34.5% +2.2%
Expense ratio 0.06% 0.03%
Holdings 99 26
Net assets, SCHD as of Aug 31, 2026 and VTIP as of Sep 30, 2026 $112.3bn $20.9bn

SCHD and VTIP on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

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About each fund
SCHD

SCHD tracks an index of US dividend. Over the year to Oct 28, 2026 it returned +34.5% with distributions reinvested. The prospectus expense ratio is 0.06% a year. By its holdings filed for Aug 31, 2026, 95% of the fund by weight is stocks the S&P 500 also holds, across 99 positions, with the top ten at 41.7%.

VTIP

VTIP tracks an index of Short-Term Inflation-Protected Securities. Over the year to Oct 28, 2026 it returned +2.2% with distributions reinvested. The prospectus expense ratio is 0.03% a year.

Questions people ask

Which returned more over the last year, SCHD or VTIP?
In the year to Oct 28, 2026, with distributions reinvested, SCHD returned +34.5% and VTIP +2.2%.
Which is cheaper, SCHD or VTIP?
VTIP is cheaper, by 0.03 percentage points a year. That is about $3 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BINC vs SCHDSCHD vs USHYSCHD vs SCHPSCHD vs TIPVTIP vs VTVDGRO vs VTIPCGDV vs VTIPFNDX vs VTIP
Where to next
SCHD on its own →VTIP on its own →Hold both: look the portfolio through →Rankings →SCHD dividend history →SCHD holdings →VTIP dividend history →VTIP holdings →Standards and sources →
Sources and dates
SCHD filings on SEC EDGAR ↗
SCHD prospectus with the expense ratio (SEC) ↗
Schwab website ↗
VTIP filings on SEC EDGAR ↗
VTIP prospectus with the expense ratio (SEC) ↗
Vanguard page for VTIP ↗

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

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ETFIQ, SCHD against VTIP, data as of Oct 28, 2026. https://etfiq.com/compare/any/schd-vs-vtip

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.