Which returned more over the last year, SCHF or VTIP?

In the year to Oct 28, 2026, with distributions reinvested, SCHF returned +17.6% and VTIP +2.2%.

Which is cheaper, SCHF or VTIP?

Neither: SCHF and VTIP both charge 0.03% a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

SCHF vs VTIP: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SCHF returned +17.6% to VTIP's +2.2%; 0% of their weight is in the same names.

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Net assets: $69.7bn on Aug 31, 2026 for Schwab International Equity ETF, and $20.9bn on Sep 30, 2026 for Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares.

SCHF on its own →VTIP on its own →

At a glance

+17.6%

SCHF total return, 1 year

+2.2%

VTIP total return, 1 year

0.03%

SCHF expense ratio

0.03%

VTIP expense ratio

Pair scorecard

Both cost 0.03% a year; their one-year returns differ by 15.4 points.

Points (pts) are percentage points.

SCHF vs VTIP: Differences, Returns & Fees
Measure	SCHF	VTIP
Return
Measure	SCHF	VTIP
Total return, 1 year	+17.6%	+2.2%
Drawdown
Measure	SCHF	VTIP
Below its high	4.4%, high on Aug 25, 2026
Benchmark
Measure	SCHF	VTIP
What it tracks	FTSE Developed ex US Index	Bloomberg U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Years Index
Cost and size
Measure	SCHF	VTIP
Expense ratio	0.03%	0.03%
Net assets, SCHF as of Aug 31, 2026 and VTIP as of Sep 30, 2026	$69.7bn	$20.9bn
Holdings
Measure	SCHF	VTIP
Holdings in common	0%
In the S&P 500, by weight	0%
Top ten holdings, share of the fund	13.8%

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

Risk and return

Oct 26, 2012 to Oct 23, 2026 · 730 weekly returns

SCHF VTIP

Return

Total return edge SCHF +204.3% +35.7%

Annualized edge SCHF +8.2% +2.2%

Price return edge SCHF +105.5% −2.1%

Risk

Volatility edge VTIP 16.0% 2.3%

Max drawdown edge VTIP −33.8% −5.5%

Risk-adjusted

Sharpe edge SCHF 0.46 0.17

Sortino edge SCHF 0.65 0.22

Calmar edge VTIP 0.24 0.40

Reading

SCHF returned more: +204.3% to +35.7%. VTIP swung less: 2.3% to 16.0%. VTIP fell less at its worst: −5.5% to −33.8%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: SCHF vs VTIP: Differences, Returns & Fees
Measure	SCHF	VTIP	Edge	How it is measured
Return
Total return	+204.3%	+35.7%	SCHF	Price change plus distributions, reinvested.
Annualized	+8.2%	+2.2%	SCHF	Total return as a yearly rate.
Price return	+105.5%	−2.1%	SCHF	Price change alone, distributions left out.
Risk
Volatility	16.0%	2.3%	VTIP	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	11.3%	1.7%	VTIP	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−33.8%	−5.5%	VTIP	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	0.46	0.17	SCHF	Return above Treasury bills per unit of volatility.
Sortino	0.65	0.22	SCHF	Return above Treasury bills per unit of downside deviation.
Calmar	0.24	0.40	VTIP	Annualized return divided by the max drawdown.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 730 weekly returns. Cash rate: the 13-week Treasury bill.

What they share

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

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first SCHF VTIP

Only in one fund ↓

Only in SCHF

Samsung Electronics Co Ltd 2.88%

SK hynix Inc 2.23%

ASML Holding NV 2.14%

HSBC Holdings PLC 1.17%

Roche Holding AG 1.00%

Royal Bank of Canada 0.94%

Novartis AG 0.94%

Shell PLC 0.83%

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 5.14%

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

SCHF Schwab International 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 International Equity Tracks an index of Short-Term Inflation-Protected Securities

Total return, 1 year +17.6% +2.2%

Its benchmark over the same days +12.1% (EFA) not measured

Gap to its benchmark +5.5 pts vs EFA not measured

Expense ratio 0.03% 0.03%

Holdings 1475 26

Net assets, SCHF as of Aug 31, 2026 and VTIP as of Sep 30, 2026 $69.7bn $20.9bn

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

Client brief · page 1 of 2 Report BR-AFC5279943

SCHF and VTIP do different jobs. What does each one do in a portfolio?

What each follows. SCHF follows FTSE Developed ex US Index and VTIP follows Bloomberg U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Years Index.
Holdings in common. 0% of the weight is in the same securities (holdings dated Aug 31, 2026 and Sep 30, 2026).
One-year total return. Over 1 year to Oct 28, 2026 SCHF returned +17.6% and VTIP +2.2% with distributions reinvested, a gap of 15.4 points.

Data as of Oct 28, 2026.

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About each fund

SCHF

SCHF tracks an index of International Equity. Over the year to Oct 28, 2026 it returned +17.6% with distributions reinvested, against +12.1% for its benchmark, the MSCI EAFE Index. The prospectus expense ratio is 0.03% a year. By its holdings filed for Aug 31, 2026, 0% of the fund by weight is stocks the S&P 500 also holds, across 1,475 positions, with the top ten at 13.8%. It sat 4.4% below its high of Aug 25, 2026 on Oct 28, 2026.

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.

Questions people ask

Which returned more over the last year, SCHF or VTIP?: In the year to Oct 28, 2026, with distributions reinvested, SCHF returned +17.6% and VTIP +2.2%.
Which is cheaper, SCHF or VTIP?: Neither: SCHF and VTIP both charge 0.03% a year. Fees come from each fund's prospectus.

Other comparisons

BINC vs SCHF SCHF vs USHY SCHF vs SCHP BNDX vs SCHF EFA vs VTIP IDEV vs VTIP IEFA vs VTIP VEA vs VTIP

Where to next

SCHF on its own →VTIP on its own →Hold both: look the portfolio through →Rankings →SCHF dividend history →SCHF holdings →VTIP dividend history →VTIP holdings →Standards and sources →

Sources and dates

SCHF filings on SEC EDGAR ↗

SCHF 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.

Cite this pageCitation, APA and Markdown

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

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