ETF comparison
SCHZvsVMBS
Both US Aggregate Bond.
Schwab U.S. Aggregate Bond ETF · Vanguard Mortgage-Backed Securities Index Fund ETF Shares
Holdings overlap
965 positions appear in both funds. Buying equal dollars of SCHZ and VMBS would leave roughly10.9%of each dollar exposed to the same underlying securities.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — seewhat we don't scorefor why.
Cost difference
Expense ratios are effectively identical (0.030% vs 0.030%).
Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open thecost calculator pre-filled with SCHZ vs VMBS.
Top shared holdings
965 shared in total| # | Holding | In SCHZ | In VMBS | Overlap |
|---|---|---|---|---|
| 1 | Fannie Mae | 0.12% | 0.23% | 0.12% |
| 2 | Freddie Mac | 0.11% | 0.23% | 0.11% |
| 3 | Freddie Mac | 0.10% | 0.26% | 0.10% |
| 4 | Freddie Mac | 0.10% | 0.20% | 0.10% |
| 5 | Freddie Mac | 0.09% | 0.15% | 0.09% |
| 6 | Government National Mortgage Association | 0.09% | 0.32% | 0.09% |
| 7 | Government National Mortgage Association | 0.08% | 0.10% | 0.08% |
| 8 | Freddie Mac | 0.08% | 0.21% | 0.08% |
| 9 | Freddie Mac | 0.08% | 0.20% | 0.08% |
| 10 | Fannie Mae | 0.08% | 0.15% | 0.08% |
| 11 | Freddie Mac | 0.07% | 0.14% | 0.07% |
| 12 | Fannie Mae | 0.07% | 0.10% | 0.07% |
Only in SCHZ
11,362 total- United States Treasury0.39%
- United States Treasury0.39%
- United States Treasury0.39%
- United States Treasury0.37%
- United States Treasury0.37%
- United States Treasury0.37%
- United States Treasury0.36%
- United States Treasury0.36%
- United States Treasury0.36%
- United States Treasury0.36%
Only in VMBS
4,147 total- Fannie Mae or Freddie Mac0.52%
- Ginnie Mae II Pool0.36%
- Fannie Mae Pool0.29%
- Ginnie Mae II Pool0.29%
- Freddie Mac Pool0.27%
- Freddie Mac Pool0.27%
- Fannie Mae or Freddie Mac0.25%
- Freddie Mac Pool0.24%
- Fannie Mae or Freddie Mac0.20%
- Fannie Mae Pool0.20%
Open SCHZ or VMBS 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 methodologyand 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.