What is the difference between SCHF and VYMI?

SCHF (Schwab International Equity ETF) is a Foreign Large Blend fund with an expense ratio of 0.03% and dividend yield of 3.00%. VYMI (Vanguard International High Dividend Yield ETF) is a Foreign Large Value fund with an expense ratio of 0.07% and dividend yield of 3.58%. SCHF was launched in Nov 2009, while VYMI launched in Feb 2016.

How do the expense ratios of SCHF and VYMI compare?

SCHF's expense ratio is 0.03%, whereas VYMI's expense ratio is 0.07%. SCHF's expense ratio is lower by 0.04 percentage points. Over time, these fees can impact net returns. For example, if both funds performed identically, SCHF would net 0.04% more annually, compounding to a larger difference over many years.

How do SCHF and VYMI differ in their tracking?

SCHF tracks a broad Foreign Large Blend index, encompassing developed and emerging markets. VYMI tracks a Foreign Large Value index, focusing on undervalued stocks in similar markets. SCHF's index is more diversified across market caps and regions, while VYMI's strategy aims to identify value opportunities within developed markets.

Are there overlaps in the top 10 holdings of SCHF and VYMI?

There are no shared top 10 holdings between SCHF and VYMI. Despite both investing in international equities, their differing strategies—broad blend versus high dividend value—result in distinct portfolios. SCHF's blend approach includes a variety of market segments, whereas VYMI focuses on undervalued stocks with high dividends.

What are the dividend yield differences between SCHF and VYMI?

SCHF has a dividend yield of 3.00%, while VYMI has a yield of 3.58%. VYMI's higher dividend yield is a result of its focus on high-dividend-paying stocks. Investors prioritising income may find VYMI more appealing due to its higher yield, though this comes with a higher expense ratio.

What are the expense ratios of SCHF and VYMI?

SCHF's expense ratio is 0.03%, while VYMI's is 0.07%. SCHF's expense ratio is lower by 0.04 percentage points. Over time, these fees can impact net returns. For example, if both funds performed identically, SCHF would net 0.04% more annually, compounding to a larger difference over many years.

How do SCHF and VYMI differ in their market focus?

SCHF provides a broad exposure to international equities, including both developed and emerging markets. This broad blend approach can reduce concentration risk. VYMI, on the other hand, focuses on foreign large value stocks, targeting potentially undervalued companies. This value approach can lead to higher dividend yields but may also carry different risks associated with value investing.

What is the net asset value of SCHF compared to VYMI?

SCHF has net assets of $68.2 billion, while VYMI has $21.7 billion. This indicates that SCHF is larger in terms of assets under management, potentially offering greater liquidity and institutional-scale operations. However, the higher asset base also means that SCHF's performance is more widely observed and benchmarked.

When were SCHF and VYMI launched?

SCHF was launched on Nov 3, 2009, while VYMI was launched on Feb 25, 2016. SCHF has a longer track record of approximately 16 years, compared to VYMI's 10 years. The longer history can provide more data points for assessing performance consistency and risk management strategies.

Which fund has a higher dividend yield?

VYMI has a higher dividend yield of 3.58%, compared to SCHF's 3.00%. VYMI's higher yield is a direct result of its focus on high-dividend-paying international stocks. This makes VYMI potentially more appealing for investors seeking regular income from their investments.

What are the top holdings of SCHF and VYMI?

The top holdings for both SCHF and VYMI are not available. This lack of transparency can make it challenging to assess specific concentrations or exposures within these funds. However, both funds are known to hold a diversified basket of international equities.

Can I make a decision based on the provided information?

The provided information covers key aspects such as fees, tracking methods, dividend yields, and fund inception dates, but it is educational and not financial advice. Always consider your personal financial situation and consult a financial advisor for tailored advice. This comparison helps you understand the differences between SCHF and VYMI, but it should not be the sole basis for investment decisions.

SCHF vs VYMI

Two funds, one decision: we compare cost, performance and what each ETF actually holds in September 2026.

Compare Schwab International Equity ETF (SCHF) and Vanguard International High Dividend Yield ETF (VYMI). This page examines fees, holdings, dividends, and how each fund tracks its market. Educational content, not financial advice.

Fund Snapshot

Key Fund Metrics

SCHF

Metric

VYMI

0.03%

Expense Ratio

0.07%

3.00%

Dividend Yield

3.58%

$68.24B

Net Assets

$21.68B

1,494

Holdings

1,661

Nov 3, 2009

Inception Date

Feb 25, 2016

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Index Tracked

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Foreign Large Blend

Fund Category

Foreign Large Value

SCHF costs about $4.00 less per year for every $10,000 invested.

Shared Top Holdings

These funds do not share any of their top holdings.

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Investment Analysis

SCHF

Pros

Extremely low expense ratio of 0.03% supports long-term net return retention.
Large asset base of $68.2 billion provides potential institutional-scale liquidity and resilience.
Broad Foreign Large Blend category suggests diversified exposure to developed and emerging markets.

Considerations

Unavailable top holdings and sector weights limit transparency for detailed concentration analysis.
No index tracked information provided hinders assessment of methodology and replication fidelity.
Dividend yield of 3.00% is lower than many international value-focused alternatives.

VYMI

Pros

Foreign Large Value strategy targets historically undervalued stocks with potential for yield and recovery.
Higher dividend yield of 3.58% may suit investors prioritising international income generation.
Strong issuer reputation and asset base of $21.7 billion support operational stability.

Considerations

Expense ratio of 0.07% is higher than the ultra-low-cost broad international fund SCHF.
Inception date of Feb 25, 2016 offers a shorter performance track record than SCHF.
Unavailable top holdings and sector weights restrict evaluation of specific geographic or industry exposure.

About SCHF and VYMI

SCHF (SCHF)

The Schwab International Equity ETF (SCHF) is designed to provide broad exposure to developed international markets outside the United States. This fund tracks a market capitalisation-weighted index that includes companies from key regions such as Europe, Japan, Australia, and New Zealand. With a low expense ratio of just 0.03%, it aims to offer a cost-effective way for investors to diversify their portfolios beyond domestic equities. The ETF holds approximately 1,494 companies, capturing large and mid-sized businesses across various sectors. While it offers access to global growth opportunities, investors should remain aware that international stocks can be influenced by currency fluctuations and regional economic conditions. As with all investments, capital is at risk, and past performance does not guarantee future results. This fund is generally suitable for those seeking a balanced approach to international equity exposure.

VYMI (VYMI)

The Vanguard International High Dividend Yield ETF offers a way to gain exposure to developed markets outside the United States, focusing specifically on companies with higher-than-average dividend yields. This exchange-traded fund holds a diversified basket of over 1,600 stocks, aiming to provide income potential from mature international businesses. With a very low expense ratio of 0.07%, it is designed for cost-conscious investors seeking broad diversification. While it provides a historic yield of approximately 3.58%, investors should remember that dividend payments are not guaranteed and can fluctuate. The fund's value can rise or fall with market conditions, and past performance does not ensure future results. It is an option for those interested in international equity markets, particularly within the foreign large value category, balancing the potential for income with global diversification benefits.

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SCHF vs VYMI

Fund Snapshot