Which returned more over the last year, SCHZ or VCRB?

In the year to Oct 9, 2026, with distributions reinvested, SCHZ returned −1.5% and VCRB −1.3%.

Which is cheaper, SCHZ or VCRB?

SCHZ is cheaper, by 0.07 percentage points a year. That is about $7 on $10,000 held for a year. Fees come from each fund's prospectus.

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SCHZ vs VCRB: Differences, Returns & Fees

On Jun 30, 2026 SCHZ's duration was 5.8 years and VCRB's 5.6; SCHZ charges 0.03% to VCRB's 0.10%. Net assets: $10.6bn on Jun 30, 2026 for Schwab U.S. Aggregate Bond ETF, and $7.6bn on Sep 30, 2026 for Vanguard Core Bond ETF.

SCHZ costs 0.07 points a year less; their one-year returns differ by 0.2 points; SCHZ is 1.5 times larger.

	SCHZ	VCRB
Expense ratio	0.03%	0.10%
Net assets, as of Jun 30, 2026	$10.6bn	$7.3bn
Total return, 1 year	−1.5%	−1.3%
What it tracks	Bloomberg US Aggregate Bond Index	No index, actively managed
Holdings in common	17%
Below its high	5.0%, high on Aug 4, 2020	4.0%, high on Feb 27, 2026

Holdings in common uses holdings dated Jun 30, 2026.

−1.5%

SCHZ total return, 1 year

−1.3%

VCRB total return, 1 year

0.03%

SCHZ expense ratio

0.10%

VCRB expense ratio

What they hold in common

By the books each fund has filed, SCHZ and VCRB hold 17% of their money in the same securities at the same weight. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026.

50%

half

17% in common

Positions both hold, largest shared weight first

Holding SCHZ VCRB

U.S. Treasury Notes, due Feb 15, 2036 0.39% 0.41%

U.S. Treasury Notes, due Feb 15, 2035 0.39% 0.52%

U.S. Treasury Notes, due May 15, 2034 0.37% 0.51%

U.S. Treasury Notes, due May 15, 2032 0.29% 0.43%

Uniform Mortgage-Backed Security, TBA, due Jul 13, 2056 0.26% 2.33%

U.S. Treasury Notes, due Apr 30, 2029 0.22% 1.02%

U.S. Treasury Notes, due Jan 31, 2030 0.21% 0.54%

U.S. Treasury Notes, due May 15, 2036 0.20% 0.55%

U.S. Treasury Notes, due Nov 15, 2028 0.18% 0.34%

U.S. Treasury Bonds, due Nov 15, 2053 0.20% 0.18%

U.S. Treasury Notes, due Aug 31, 2028 0.18% 0.27%

U.S. Treasury Notes, due Jul 15, 2028 0.18% 0.35%

Only in SCHZ

U.S. Treasury Notes, due Aug 15, 2035 0.39%

U.S. Treasury Notes, due Nov 15, 2034 0.37%

U.S. Treasury Notes, due May 15, 2035 0.37%

U.S. Treasury Notes, due Aug 15, 2034 0.36%

U.S. Treasury Notes, due Feb 15, 2034 0.36%

U.S. Treasury Notes, due Nov 15, 2033 0.36%

U.S. Treasury Notes, due Jan 31, 2028 0.35%

U.S. Treasury Notes, due Aug 15, 2033 0.33%

Only in VCRB

NVIDIA CORP, due Jun 15, 2028 0.97%

NVIDIA CORP, due Jun 15, 2029 0.75%

FNR 2026-46 FL, due Jun 25, 2056 0.59%

OBX 2026-INV2 AF, due Apr 25, 2056 0.57%

G2SF 5 7/26, due Jul 20, 2026 0.56%

FINLAND REP OF, due Jun 3, 2036 0.54%

FNCL 6 7/26, due Jul 13, 2026 0.54%

OBX 2026-INV4 AF, due May 25, 2056 0.47%

Check overlap with more funds →

On the same fields

SCHZ

Schwab U.S. Aggregate Bond ETF

VCRB

Vanguard Core Bond ETF

Where it sits Bond ETF Bond ETF

Issuer Schwab Vanguard

What it is Tracks an index Actively managed

Total return, 1 year −1.5% −1.3%

S&P 500 over the same days +17.3% +17.3%

Gap to the S&P 500 −18.8 pts −18.6 pts

Expense ratio 0.03% 0.10%

Holdings 12326 3418

Net assets, SCHZ as of Jun 30, 2026 and VCRB as of Sep 30, 2026 $10.6bn $7.6bn

SCHZ and VCRB on the fields both publish, as of Oct 9, 2026. Source: ETFIQ.

SCHZ in plain words

SCHZ tracks an index. The prospectus expense ratio is 0.03% a year. It sat 5.0% below its high of Aug 4, 2020 on Oct 9, 2026.

Over the year to Oct 9, 2026 it returned −1.5% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg US Aggregate Bond Index.

VCRB in plain words

VCRB is actively managed and tracks no index. Over the year to Oct 9, 2026 it returned −1.3% with distributions reinvested, against −1.5% for its benchmark, the Bloomberg U.S. Aggregate Float Adjusted Index. The prospectus expense ratio is 0.10% a year. It sat 4.0% below its high of Feb 27, 2026 on Oct 9, 2026.

Questions people ask

Which returned more over the last year, SCHZ or VCRB?: In the year to Oct 9, 2026, with distributions reinvested, SCHZ returned −1.5% and VCRB −1.3%.
Which is cheaper, SCHZ or VCRB?: SCHZ is cheaper, by 0.07 percentage points a year. That is about $7 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

JBND vs SCHZ CGCB vs SCHZ SCHZ vs SPAB DFCF vs SCHZ BND vs VCRB DFCF vs VCRB CGCB vs VCRB EAGG vs VCRB

SCHZ on its own →VCRB on its own →Hold both: look the portfolio through →Rankings →Standards and sources →

Where these figures came from

SCHZ filings on SEC EDGAR ↗SCHZ prospectus with the expense ratio (SEC) ↗Schwab website ↗VCRB filings on SEC EDGAR ↗VCRB prospectus with the expense ratio (SEC) ↗Vanguard page for VCRB ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. 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, SCHZ against VCRB, data as of Oct 9, 2026. https://etfiq.com/compare/any/schz-vs-vcrb

Open data

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