SCHB vs VTI
Schwab US Broad Market ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SCHB or VTI?
Each has led over a different period.
SCHB led over 3Y, 5Y and the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 1.00. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 33.8%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SCHB | VTI |
|---|---|---|
| Expense Ratio | 0.03%Tie | 0.03%Tie |
| AUM | $44.3B | $666.9B |
| Dividend Yield | 1.02% | 1.03% |
| Holdings | 2,354 | 3,543 |
| YTD Return | +12.31%Best | +12.28% |
| 1Y Return | +16.67% | +16.78%Best |
| 3Y Return (annualized) | +20.91%Best | +20.89% |
| 5Y Return (annualized) | +11.99%Best | +11.94% |
| Volatility (annualized) | 14.8%Tie | 14.8%Tie |
| Max Drawdown | -35.3% | -35.0%Best |
| $10,000 over 5 years | $17,616Best | $17,576 |
| Top 10 Weight | 33.8% | 33.3%Best |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Nov 3, 2009 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Nov 3, 2009 to Sep 17, 2026 (16.9 years).
SCHB vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 16.9 years both funds cover.
SCHB vs VTI Performance
Schwab US Broad Market ETF (SCHB) is an ETF from Charles Schwab Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year SCHB returned +16.67% while VTI returned +16.78%. Year to date, SCHB is up 12.31% versus a gain of 12.28% for VTI.
Over three years, SCHB compounded at +20.91% per year against +20.89% for VTI; over five years the annualized figures are +11.99% and +11.94% respectively. Across the full 17-year window we track, SCHB has the edge at +12.89% annualized vs +12.85%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHB and VTI have been equally volatile, both at 14.8% annualized.
The deepest peak-to-trough decline in our data was -35.3% for SCHB and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 1.00. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SCHB charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCHB currently yields 1.02% against 1.03% for VTI.
Holdings Overlap
97.5% of SCHB's money is in holdings VTI also owns. 97.3% of VTI's money is in holdings SCHB also owns.
Most of SCHB is already inside VTI. Owning both mostly buys the same companies twice.
2,268 positions in common, counted across the 2,345 positions we hold weights for in SCHB and 3,463 in VTI, against full books of 2,354 and 3,543.
What only one of them owns
Our book lists 11 positions for VTI that do not appear in our book for SCHB (0.4% of the fund), and 14 for SCHB that do not appear in VTI (0.5%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in SCHB | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 7.10% | 6.40% | 0.70% |
| AAPLApple, Inc | 6.11% | 6.29% | 0.18% |
| MSFTMicrosoft Corp | 4.84% | 4.79% | 0.05% |
| AMZNAmazon.Com Inc | 3.57% | 3.65% | 0.08% |
| GOOGLAlphabet Inc,class A | 2.84% | 2.90% | 0.06% |
| AVGOBroadcom Inc | 2.65% | 2.56% | 0.09% |
| GOOGAlphabet Inc | 2.28% | 2.31% | 0.03% |
| METAMeta Platforms Inc | 1.73% | 1.70% | 0.03% |
| MUMicron Technology, Inc. | 1.35% | 1.29% | 0.06% |
| JPMJpmorgan Chase | 1.29% | 1.31% | 0.02% |
97.5% of SCHB is already inside VTI.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHB or VTI?
SCHB has an expense ratio of 0.03% while VTI charges 0.03%. At the precision these are quoted to, they cost the same.
Which performed better, SCHB or VTI?
Over the past year SCHB returned +16.67% vs +16.78% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (17 years), SCHB annualized +12.89% vs +12.85% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHB or VTI?
SCHB and VTI have been equally volatile, both at 14.8% annualized. Worst drawdown: SCHB -35.3% vs VTI -35.0%.
Should I hold both SCHB and VTI?
SCHB and VTI have a monthly-return correlation of 1.00, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between SCHB and VTI?
97.5% of SCHB's money is in holdings VTI also owns. 97.3% of VTI's is in holdings SCHB also owns. They hold 2,268 positions in common, counted across the 2,345 positions we hold weights for in SCHB and 3,463 in VTI.
Which pays a higher dividend, SCHB or VTI?
SCHB yields 1.02% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than SCHB?
SCHB led over 3Y, 5Y and the full window, VTI over 1Y. The two have moved almost in lockstep, correlation 1.00. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 33.8%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.