SCHY vs VYMI: Yield, Cost and Returns Compared
As of Nov 5, 2026, VYMI yields more: 3.63% (dividend yield) against 3.48% for SCHY. VYMI is cheaper to own at 0.07% a year vs 0.08%. Over the same 5 years (Apr 2021 to Oct 2026), VYMI returned 12.8% a year with distributions reinvested, and SCHY 9.3%.
SCHYSchwab International Dividend Equity ETF3.48%dividend yield| Compared | SCHY | VYMI |
|---|---|---|
| YieldDividend yield | 3.48% | 3.63% |
| Expense ratio | 0.08% | 0.07% |
| Total return, 1 yr | +21.5% | +23.6% |
| Total return, 3 yr (a year) | +19.2% | +24.3% |
| Total return, 5 yr (a year) | +9.8% | +13.3% |
| Total return, 10 yr (a year) | — | +10.6% |
| Worst drop since Apr 2021 | -21.6% | -21.5% |
| Share price since Apr 2021 | +33% | +51% |
| Pays | Quarterly | Quarterly |
| Issuer | Schwab | Vanguard |
| Assets | $2.7B | $22.6B |
| Started | 2021 | 2016 |
| Type | Foreign Large Value | Foreign Large Value |
Higher yield
VYMI
3.63%
Lower cost
VYMI
0.07%
Better total return
VYMI
12.8%/yr
Smaller worst drop
VYMI
-21.5%
Key facts: SCHY vs VYMI
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, SCHY yields 3.48% (dividend yield) and VYMI yields 3.63% (dividend yield).
- SCHY's expense ratio is 0.08% and VYMI's is 0.07%: $8 vs $7 a year on $10,000.
- From Apr 2021 to Oct 2026, $10,000 in SCHY grew to $16,321 (9.3% a year) and $10,000 in VYMI to $19,425 (12.8% a year), distributions reinvested.
- Their worst month-end drops over that time: -21.6% for SCHY and -21.5% for VYMI.
- 1 of SCHY's top ten holdings are also in VYMI's top ten, an overlap of at least 2% of the fund.
Cite this page
SmarterDividends, "SCHY vs VYMI: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/schy-vs-vymi
$10,000 in each, Apr 2021 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
SCHY became
$16,321
9.3% a year
VYMI became
$19,425
12.8% a year
Year by year
| Year | SCHY | VYMI |
|---|---|---|
| 2025 | +34.0% | +38.1% |
| 2024 | −1.8% | +7.1% |
| 2023 | +14.2% | +17.1% |
| 2022 | −9.4% | −7.0% |
Total return each calendar year, distributions reinvested.
Top holdings
1 of the top ten overlap, at least 2% of each fund.
SCHY
- ROP.SW Roche Holding AG Ordinary Shares new4.5%
- BATS.L British American Tobacco PLC4.4%
- ENI.MI Eni SpA4.3%
- TTE.PA TotalEnergies SE4.1%
- DHL.DE DHL AG4.1%
- ULVR.L Unilever PLC4.0%
- ENEL.MI Enel SpA3.9%
- GSK.L GSK PLC3.9%
- WES.AX Wesfarmers Ltd3.9%
- DG.PA Vinci SA3.7%
VYMI
- HSBA.L HSBC Holdings PLC1.8%
- ROP.SW Roche Holding AG Ordinary Shares new1.6%
- SHEL.L Shell PLC1.5%
- RY Royal Bank of Canada1.5%
- NOVN.SW Novartis AG Registered Shares1.4%
- Mitsubishi UFJ Financial Group Inc1.4%
- NESN.SW Nestle SA1.2%
- MediaTek Inc1.2%
- BHP.AX BHP Group Ltd1.2%
- SAN.MC Banco Santander SA1.1%
SCHY vs VYMI: questions
Is SCHY or VYMI better?
It depends on the job. VYMI pays more today (3.63% vs 3.48%), VYMI costs less, and VYMI has the better total return over Apr 2021 to Oct 2026, with VYMI holding up better in its worst stretch. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, SCHY or VYMI?
VYMI, at 3.63% against 3.48% for SCHY as of Nov 5, 2026. On $10,000 that's about $363 vs $348 a year at today's rates.
Which has the better total return?
VYMI. From Apr 2021 to Oct 2026, it returned 12.8% a year with distributions reinvested, against 9.3% for SCHY. $10,000 became $19,425 vs $16,321.
Which is cheaper, SCHY or VYMI?
VYMI, with a 0.07% expense ratio against 0.08%.
Do SCHY and VYMI hold the same things?
Partly. 1 of their top ten holdings match (ROP.SW), at least 2% of each fund. Owning both doubles up on those.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. VYMI leads on 7 of 7 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.