SCHH vs VTI
Schwab US REIT ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SCHH | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.07% | 0.03% | |
| AUM | $11.3B | $666.9B | |
| Dividend Yield | 2.72% | 1.07% | |
| Holdings | 120 | 3,543 | |
| YTD Return | +13.55% | +12.74% | |
| 1Y Return | +13.64% | +20.66% | |
| 3Y Return (annualized) | +10.68% | +20.69% | |
| 5Y Return (annualized) | +1.69% | +11.52% | |
| Volatility (annualized) | 17.2% | 15.3% | |
| Max Drawdown | -44.2% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jan 13, 2011 | May 24, 2001 |
SCHH vs VTI Performance
Schwab US REIT ETF (SCHH) is a ETF from Charles Schwab Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SCHH returned +13.64% while VTI returned +20.66%. Year to date, SCHH is up 13.55% versus a gain of 12.74% for VTI.
Over three years, SCHH compounded at +10.68% per year against +20.69% for VTI; over five years the annualized figures are +1.69% and +11.52% respectively. Across the full 16-year window we track, VTI has the edge at +8.06% annualized vs +5.06%. 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 15.3% 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 -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
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 2.72% against 1.07% for VTI.
Holdings Overlap
SCHH and VTI share 89 holdings out of 2817 unique holdings combined, representing a 1.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $4 per year of difference.
Which performed better, SCHH or VTI?
Over the past year SCHH returned +13.64% vs +20.66% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (16 years), SCHH annualized +5.06% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, SCHH or VTI?
SCHH has been the more volatile fund at 17.2% annualized versus 15.3% for VTI. Worst drawdown: SCHH -44.2% vs VTI -56.6%.
Should I hold both SCHH and VTI?
SCHH and VTI have a monthly-return correlation of 0.73, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHH and VTI?
SCHH and VTI share 89 common holdings with a 1.6% weight overlap. Combined, they hold 2817 unique securities.
Which pays a higher dividend, SCHH or VTI?
SCHH yields 2.72% while VTI yields 1.07%, so SCHH currently pays the higher dividend yield.
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