SCHH vs VTI
Schwab US REIT ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SCHH or VTI?
Mid Cap Blend against Large Cap Blend.
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 51.9%.
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 | SCHH | VTI |
|---|---|---|
| Expense Ratio | 0.07% | 0.03%Best |
| AUM | $10.6B | $690.1B |
| Dividend Yield | 2.80% | 1.03% |
| Holdings | 120 | 3,524 |
| YTD Return | +6.66% | +12.51%Best |
| 1Y Return | +4.50% | +15.23%Best |
| 3Y Return (annualized) | +11.27% | +22.50%Best |
| 5Y Return (annualized) | +1.84% | +12.31%Best |
| Volatility (annualized) | 17.2% | 14.6%Best |
| Max Drawdown | -44.2% | -35.0%Best |
| $10,000 over 5 years | $10,954 | $17,869Best |
| Top 10 Weight | 51.9% | 33.3%Best |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Mid Cap Blend | Large Cap Blend |
| Inception | Jan 13, 2011 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Jan 13, 2011 to Oct 1, 2026 (15.7 years).
SCHH 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 15.7 years both funds cover.
SCHH vs VTI Performance
Schwab US REIT ETF (SCHH) 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 SCHH returned +4.50% while VTI returned +15.23%. Year to date, SCHH is up 6.66% versus a gain of 12.51% for VTI.
Over three years, SCHH compounded at +11.27% per year against +22.50% for VTI; over five years the annualized figures are +1.84% and +12.31% respectively. Across the full 16-year window we track, VTI has the edge at +12.22% annualized vs +4.62%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHH has been the more volatile fund, with annualized monthly volatility of 17.2% compared with 14.6% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -44.2% for SCHH 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 0.73. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHH charges 0.07% per year while VTI charges 0.03%. On a $10,000 position that is $7 vs $3 annually, a gap of $4 per year that compounds over a long holding period. On income, SCHH currently yields 2.80% against 1.03% for VTI.
Holdings Overlap
100.0% of SCHH's money is in holdings VTI also owns. 2.1% of VTI's money is in holdings SCHH also owns.
Most of SCHH is already inside VTI. Owning both mostly buys the same companies twice.
117 positions in common, counted across the 118 positions we hold weights for in SCHH and 3,463 in VTI, against full books of 120 and 3,524.
What only one of them owns
Measured across the 118 and 3,463 positions we hold weights for.
VTI holds 1,083 positions SCHH does not, 95.4% of the fund.
Largest: NVDA 6.40%, AAPL 6.29%, MSFT 4.79%, AMZN 3.65%, GOOGL 2.90%
Top Shared Holdings
| Stock | Weight in SCHH | Weight in VTI | Difference |
|---|---|---|---|
| WELLWelltower, Inc. | 11.21% | 0.23% | 10.98% |
| PLDPrologis Inc | 8.68% | 0.19% | 8.49% |
| DLRDigital Realty Trust Inc. | 4.69% | 0.09% | 4.60% |
| SPGSimon Property Group Inc | 4.50% | 0.10% | 4.40% |
| AMTAmerican Tower Corporation | 4.37% | 0.11% | 4.26% |
| EQIXEquinix Inc. Real Estate Investment Trust | 4.31% | 0.14% | 4.17% |
| ORealty Income Corp. | 3.97% | 0.08% | 3.89% |
| PSAPublic Storage | 3.56% | 0.08% | 3.48% |
| EQRVivmark Residential | 3.43% | 0.03% | 3.40% |
| VTRVentas Inc . | 3.13% | 0.06% | 3.07% |
100.0% of SCHH 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, SCHH or VTI?
SCHH has an expense ratio of 0.07% while VTI charges 0.03%. VTI is the cheaper option, by $4 a year on a $10,000 investment.
Which performed better, SCHH or VTI?
Over the past year SCHH returned +4.50% vs +15.23% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (16 years), SCHH annualized +4.62% vs +12.22% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHH or VTI?
SCHH has been the more volatile fund at 17.2% annualized versus 14.6% for VTI. Worst drawdown: SCHH -44.2% vs VTI -35.0%.
Should I hold both SCHH and VTI?
SCHH and VTI have a monthly-return correlation of 0.73, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHH and VTI?
100.0% of SCHH's money is in holdings VTI also owns. 2.1% of VTI's is in holdings SCHH also owns. They hold 117 positions in common, counted across the 118 positions we hold weights for in SCHH and 3,463 in VTI.
Which pays a higher dividend, SCHH or VTI?
SCHH yields 2.80% while VTI yields 1.03%, so SCHH currently pays the higher dividend yield.
Is VTI better than SCHH?
VTI has a lower expense ratio. VTI led over 1Y, 3Y, 5Y and the full window. VTI is less concentrated, with 33.3% of the fund in its ten largest positions against 51.9%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.