SCHK vs VTI
Schwab 1000 Index ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, SCHK or VTI?
Each has led over a different period.
SCHK 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 35.1%.
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 | SCHK | VTI |
|---|---|---|
| Expense Ratio | 0.03%Tie | 0.03%Tie |
| AUM | $5.8B | $666.9B |
| Dividend Yield | 1.01% | 1.03% |
| Holdings | 986 | 3,543 |
| YTD Return | +14.06%Best | +14.00% |
| 1Y Return | +16.86% | +16.88%Best |
| 3Y Return (annualized) | +23.00%Best | +22.75% |
| 5Y Return (annualized) | +13.03%Best | +12.68% |
| Volatility (annualized) | 16.6%Best | 16.7% |
| Max Drawdown | -34.8%Best | -35.0% |
| $10,000 over 5 years | $18,449Best | $18,165 |
| Top 10 Weight | 35.1% | 33.3%Best |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Oct 11, 2017 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Oct 11, 2017 to Sep 21, 2026 (8.9 years).
SCHK 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 8.9 years both funds cover.
SCHK vs VTI Performance
Schwab 1000 Index ETF (SCHK) 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 SCHK returned +16.86% while VTI returned +16.88%. Year to date, SCHK is up 14.06% versus a gain of 14.00% for VTI.
Over three years, SCHK compounded at +23.00% per year against +22.75% for VTI; over five years the annualized figures are +13.03% and +12.68% respectively. Across the full 9-year window we track, SCHK has the edge at +13.89% annualized vs +13.61%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 16.7% compared with 16.6% for SCHK. 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 -34.8% for SCHK 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
SCHK charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCHK currently yields 1.01% against 1.03% for VTI.
Holdings Overlap
99.3% of SCHK's money is in holdings VTI also owns. 94.9% of VTI's money is in holdings SCHK also owns.
Most of SCHK is already inside VTI. Owning both mostly buys the same companies twice.
955 positions in common, counted across the 980 positions we hold weights for in SCHK and 3,463 in VTI, against full books of 986 and 3,543.
What only one of them owns
Our book lists 244 positions for VTI that do not appear in our book for SCHK (2.9% of the fund), and 11 for SCHK that do not appear in VTI (0.3%).
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 SCHK | Weight in VTI | Difference |
|---|---|---|---|
| NVDANvidia Corp | 7.50% | 6.40% | 1.10% |
| AAPLApple, Inc | 6.53% | 6.29% | 0.24% |
| MSFTMicrosoft Corp | 5.29% | 4.79% | 0.50% |
| AMZNAmazon.Com Inc | 3.57% | 3.65% | 0.08% |
| GOOGLAlphabet Inc,class A | 2.79% | 2.90% | 0.11% |
| AVGOBroadcom Inc | 2.46% | 2.56% | 0.10% |
| GOOGAlphabet Inc | 2.22% | 2.31% | 0.09% |
| METAMeta Platforms Inc | 1.76% | 1.70% | 0.06% |
| MUMicron Technology, Inc. | 1.52% | 1.29% | 0.23% |
| TSLATesla Inc | 1.45% | 1.22% | 0.23% |
99.3% of SCHK 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, SCHK or VTI?
SCHK 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, SCHK or VTI?
Over the past year SCHK returned +16.86% vs +16.88% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), SCHK annualized +13.89% vs +13.61% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHK or VTI?
VTI has been the more volatile fund at 16.7% annualized versus 16.6% for SCHK. Worst drawdown: SCHK -34.8% vs VTI -35.0%.
Should I hold both SCHK and VTI?
SCHK 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 SCHK and VTI?
99.3% of SCHK's money is in holdings VTI also owns. 94.9% of VTI's is in holdings SCHK also owns. They hold 955 positions in common, counted across the 980 positions we hold weights for in SCHK and 3,463 in VTI.
Which pays a higher dividend, SCHK or VTI?
SCHK yields 1.01% while VTI yields 1.03%, so VTI currently pays the higher dividend yield.
Is VTI better than SCHK?
SCHK 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 35.1%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.