SCHD vs VYM
Schwab U.S. Dividend Equity ETF vs Vanguard High Dividend Yield Index Fund ETF Shares
Buy SCHD if…
- •You want higher dividend income (+3.79%)
Buy VYM if…
- •You like dividends
- •You enjoy smaller drawdowns
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Performance or Dividends
SCHG and VYM are playing completely different games:
SCHG is a large-cap growth ETF that tracks the Dow Jones U.S. Large-Cap Growth Index, which is basically tech-heavy and focused on companies expected to grow aggressively. Over 58% of the fund sits in its top ten holdings, so you're getting concentrated exposure to the Magnificent 7 and similar AI/tech plays. Over the past year, SCHG returned about 25.52% with a ridiculously low 0.04% expense ratio, but it comes with higher volatility and growth stock risk.
VYM is the opposite vibe—it's a high dividend yield fund tracking the FTSE High Dividend Yield Index, holding nearly 600 companies focused on stable dividend payers. It returned about 14% over the past year with a current yield around 2.5%. You're getting more diversification across financials, consumer staples, energy—basically mature companies that pay you to own them. Over the last 10 years, SCHG crushed it with 424.7% returns versus VYM's 183.8%, but that's the growth premium you pay for with higher risk. So it's really growth/capital appreciation (SCHG) versus income/stability (VYM).
