VTWAX vs SCHD: which was the better investment?
Vanguard Total World Stock Index Fund Admiral Shares against Schwab U.S. Dividend Equity ETF on real daily total-return data — every dividend reinvested, from Feb 7, 2019 to Jul 14, 2026.
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Frequently asked questions
Did VTWAX beat SCHD?
It was effectively a tie over the full overlap period (Feb 7, 2019 to Jul 14, 2026): $10,000 grew to $25,764 in VTWAX and $25,308 in SCHD, a difference of under 2%.
What would $10,000 in VTWAX be worth today?
$10,000 invested in Vanguard Total World Stock Index Fund Admiral Shares (VTWAX) on Feb 7, 2019 would be worth about $25,764 as of Jul 14, 2026, a total return of 157.6% (13.6% per year). The same $10,000 in SCHD would be worth $25,308.
Which was riskier — VTWAX or SCHD?
VTWAX swung with an annualized volatility of 18.2% and a worst peak-to-trough drop of -34.2%; SCHD ran at 18.2% volatility with a -33.4% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.64 for VTWAX vs 0.62 for SCHD.
What data is this comparison based on?
Daily adjusted closing prices covering Feb 7, 2019 through Jul 14, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with VTWAX vs SCHD. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.