ETF comparison
SCHZ vs VCRB
Both US Aggregate Bond.
Holdings overlap
1,446 positions appear in both funds. Buying equal dollars of SCHZ and VCRB would leave roughly 16.8% of each dollar exposed to the same underlying securities.
Unmatched is the part of a fund's weight the other fund doesn't match: names only it holds, plus any extra weight it puts in names both funds hold.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for why.
Cost difference
SCHZ is 7 bps cheaper than VCRB. On a $100,000 position that's about $70/yr more in fees for VCRB.
Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with SCHZ vs VCRB.
Top shared holdings
1,446 shared in total| # | Holding | In SCHZ | In VCRB | Overlap |
|---|---|---|---|---|
| 1 | United States Treasury | 0.39% | 0.41% | 0.39% |
| 2 | United States Treasury | 0.39% | 0.52% | 0.39% |
| 3 | United States Treasury | 0.37% | 0.51% | 0.37% |
| 4 | United States Treasury | 0.29% | 0.43% | 0.29% |
| 5 | UMBS, TBA | 0.26% | 2.33% | 0.26% |
| 6 | United States Treasury | 0.22% | 1.02% | 0.22% |
| 7 | United States Treasury | 0.21% | 0.54% | 0.21% |
| 8 | United States Treasury | 0.20% | 0.55% | 0.20% |
| 9 | United States Treasury | 0.18% | 0.34% | 0.18% |
| 10 | United States Treasury | 0.20% | 0.18% | 0.18% |
| 11 | United States Treasury | 0.18% | 0.27% | 0.18% |
| 12 | United States Treasury | 0.18% | 0.35% | 0.18% |
Only in SCHZ
10,880 total- United States Treasury 0.39%
- United States Treasury 0.37%
- United States Treasury 0.37%
- United States Treasury 0.36%
- United States Treasury 0.36%
- United States Treasury 0.36%
- United States Treasury 0.35%
- United States Treasury 0.33%
- United States Treasury 0.32%
- United States Treasury 0.32%
Only in VCRB
1,968 total- NVIDIA Corp 0.97%
- NVIDIA Corp 0.75%
- Fannie Mae REMICS 0.59%
- OBX 2026-INV2 Trust 0.57%
- Ginnie Mae II Pool 0.56%
- Finland Government International Bond 0.54%
- Fannie Mae or Freddie Mac 0.54%
- OBX 2026-INV4 Trust 0.47%
- Italy Buoni Poliennali Del Tesoro 0.34%
- Cassa Depositi e Prestiti SpA 0.33%
Related comparisons
More comparisons with SCHZ
- SCHZ vs VTC · Vanguard Total Corporate Bond ETF ETF Shares 16.6%
- SCHZ vs SCHO · Schwab Short-Term U.S. Treasury ETF 16.3%
- SCHZ vs SPTS · State Street SPDR Portfolio Short Term Treasury ETF 16.0%
- SCHZ vs DFCF · Dimensional Core Fixed Income ETF 15.3%
- SCHZ vs VGSH · Vanguard Short-Term Treasury Index Fund ETF Shares 15.1%
- SCHZ vs SHY · iShares 1-3 Year Treasury Bond ETF 14.9%
More comparisons with VCRB
- VCRB vs SPAB · State Street SPDR Portfolio Aggregate Bond ETF 15.8%
- VCRB vs AGG · iShares Core U.S. Aggregate Bond ETF 15.0%
- VCRB vs IUSB · iShares Core Universal USD Bond ETF 14.6%
- VCRB vs EAGG · iShares ESG U.S. Aggregate Bond ETF 13.1%
- VCRB vs BLV · Vanguard Long-Term Bond Index Fund ETF Shares 12.1%
- VCRB vs GVI · iShares Intermediate Government/Credit Bond ETF 10.4%
Percentages are holdings overlap with the named fund.
Open SCHZ or VCRB at a brokerage
Both funds trade commission-free at major US brokerages.
Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.
Holdings overlap is the sum of min(weight_a, weight_b) over positions
matched on ISIN (CUSIP fallback). Methodology: see
/methodology/.
Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.