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Head-to-head · ETF vs ETF
Schwab U.S. Dividend Equity ETF vs Vanguard High Dividend Yield ETF
vs
SCHD vs VYM: the verdict
How SCHD and VYM compare today, and what CleaRank Financial AI makes of it.
The verdict
CleaRank Financial AI favours
SCHD
SCHD
VYM
94/100
AI score
87/100
+29.5%
1-year change
+14.7%
12.9%
Volatility (30d, yearly)
8.5%
67.7
RSI (14-day)
61.6
The verdict
CleaRank's model puts Schwab U.S. Dividend Equity ETF (SCHD) slightly ahead, with a score of 94/100 (Strong Buy). Vanguard High Dividend Yield ETF (VYM) scores 87/100 (Strong Buy). The gap is narrow, and no one factor pulls the two far apart.
Key difference
Size is where the two funds differ most. SCHD manages $107.9B in net assets, while VYM manages $95.8B.
Outlook
SCHD's uptrend holds while it stays above its 50-day average at $34.08 and its 200-day at $32.22. VYM's uptrend holds while it stays above its 50-day average at $161.00 and its 200-day at $156.89.
Price, side by side
Both prices start at 0% on the first day of the period you pick, so the moves compare directly.
Rebased price
-2%0%+2%+4%+6%+6.3%+3%
Oct '26
-5%0%+5%+5.6%-0.2%
Aug '26Sep '26Oct '26
0%+5%+10%+13%+5%
May '26Jun '26Jul '26Aug '26Sep '26Oct '26
0%+10%+20%+30%+31%+15%
Nov '25Jan '26Mar '26Jun '26Aug '26Oct '26
-10%0%+10%+20%+30%+30%+28%
Sep '24Feb '25Jul '25Dec '25May '26Oct '26
Over 1 year: SCHD gained 30.6% and VYM gained 14.7%, a gap of 15.9 points in SCHD's favour.
Key metrics
Size and recent performance for each.
Size and market performance
SCHD
VYM
$107.9B
Size (net assets / market cap)
$95.8B
21.6M
Volume (shares, last session)
1.3M
96%
Position in 52-week range
82%
+3.0%
Price against 50-day average
+0.9%
Reading
Of the two, VYM is the lower-cost fund, charging an expense ratio of 0.04% compared with 0.06% for SCHD. That works out to $6.00 a year on a $10,000 holding in SCHD and $4.00 in VYM. SCHD is the bigger fund, holding $107.9B in net assets to VYM's $95.8B.
Momentum and sentiment
The indicators behind each AI score, side by side.
Indicators side by side
SCHD
VYM
94/100
AI score
87/100
67.7
RSI (14-day)
61.6
+3.0%
Price against 50-day average
+0.9%
+8.9%
Price against 200-day average
+3.5%
Technicals
SCHD is in an uptrend, trading 3.01% above its 50-day average and 8.91% above its 200-day average. Its 14-day RSI is 71.7, in the overbought zone, with the MACD line positive. VYM is in an uptrend, trading 0.87% above its 50-day average and 3.52% above its 200-day average. Its 14-day RSI is 61.6, in the bullish zone, with the MACD line positive. SCHD sits higher in its 52-week range, at 98% against 82% for VYM.
Sentiment
Over the past month SCHD climbed 6.20%, and over three months it gained 5.50%. VYM also gained over the past month, rising 3.00%, but over three months it slipped 0.20%.
Risk and practical tips
How much each moves, how much return each has paid for that risk, and what to watch if you hold either.
Risk measures
SCHD
VYM
12.9%
Volatility (30d, yearly)
8.5%
0.56
Sharpe ratio
0.68
Risk
SCHD moves more on an average day, 0.81% against 0.57% for VYM. Their worst falls in the price history were 33.0% for SCHD (January 2020 to March 2020) and 29.6% for VYM. On these measures together, SCHD is the riskier of the two.
ProTips
- For SCHD, watch the 52-week high at $35.45 above the price and the 20-day EMA at $34.15 below it.
- For VYM, watch the 52-week high at $167.61 above the price and the 50-day SMA at $161.00 below it.
- Costs compound: SCHD charges $6.00 a year on $10,000 and VYM $4.00.
SCHD vs VYM: long-term scenarios
Simulated paths from each price history. A range of outcomes, not a forecast.
Simulated growth of $10,000
$10K$20K$30K$40K$41.6K$39.1K$21K$20.1K
202620282030203220342036
SCHD
VYM
$10,556
Downside, 2036 (10th)
$10,346
$20,963
Base case, 2036 (median)
$20,108
$41,629
Upside, 2036 (90th)
$39,083
In the median simulated path, $10,000 in SCHD grows to about $21,000 and $10,000 in VYM to about $20,100 by 2036. The paths come from each asset's own historical volatility and trend; they are statistical outcomes, not forecasts.
Trade plans for both
Entry, stop and target levels from each moving average and its volatility. Educational, not advice.
Actionable Trade Plans
Select Your Trade Bias
Risk Tolerance
Conservative
3%
Aggressive
Portfolio Value
$
✎
Position Size: $200 - $300 per asset
SCHD
Current: $35.12
ENTRY ZONES
Conservative
$33.36
Aggressive
$35.12
RISK MANAGEMENT
STOP LOSS
$32.36
MAX LOSS
-3%
Volatility-Adjusted Stop Loss
Calculated based on volatility and technical support levels.
Profit Targets (Based on Conservative)
+5% from current
$36.88
+10% from current
$38.63
+15% from current
$40.39
VYM
Current: $162.41
ENTRY ZONES
Conservative
$154.29
Aggressive
$162.41
RISK MANAGEMENT
STOP LOSS
$149.66
MAX LOSS
-3%
Volatility-Adjusted Stop Loss
Calculated based on volatility and technical support levels.
Profit Targets (Based on Conservative)
+5% from current
$170.53
+10% from current
$178.65
+15% from current
$186.77
Calculate Your Trade
Disclaimer
The content is for educational purposes only. The verdict weighs trend, valuation and risk together. Trading involves risk of loss. Note: The AI favored SCHD based on price momentum, on today's data.
SCHD vs VYM: questions people ask
Answered from the figures on this page.
Frequently Asked Questions
Which is better, SCHD or VYM?+
On CleaRank's model SCHD scores higher, 94/100 (Strong Buy) against 87/100 (Strong Buy) for VYM. This describes the data on this page and is not a personal recommendation.
Which has performed better over the past year, SCHD or VYM?+
Over the past year SCHD has come out ahead: its price climbed 30.48%, while VYM's rose 14.68%.
Which is cheaper to own, SCHD or VYM?+
The cheaper fund is VYM, with an expense ratio of 0.04%. SCHD's expense ratio is 0.06%.
Which pays more income, SCHD or VYM?+
SCHD pays the higher yield, at 3.24% against 2.37% for VYM. Yield is the payout divided by the price, so it moves whenever either of those does.
Which is riskier, SCHD or VYM?+
SCHD is the riskier of the two on the measures we track. Average daily move: 0.81% for SCHD, 0.57% for VYM. Worst fall in the price history: 33.0% for SCHD, 29.6% for VYM.
Which has stronger momentum right now, SCHD or VYM?+
SCHD's 14-day RSI is the higher of the two, at 71.7 (overbought) compared with 61.6 (bullish) for VYM. The MACD line is positive for both funds. An RSI above 70 or below 30 signals stretched momentum.
Which fund is larger, SCHD or VYM?+
SCHD is the bigger fund by assets. It holds $107.9B in net assets, while VYM holds $95.8B.
How would $10,000 have grown in SCHD or VYM?+
Invested in October 2016, $10,000 would be worth $35,219 today in SCHD and $30,803 in VYM.
Which is closer to its 52-week high, SCHD or VYM?+
SCHD is closer: it trades 0.51% below its 52-week high of $35.45, against 3.10% below $167.61 for VYM.