SCHK vs VTI
Schwab 1000 Index ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | SCHK | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $5.7B | $663.5B | |
| Dividend Yield | 1.03% | 1.07% | |
| Holdings | 991 | 3,543 | |
| YTD Return | +13.72% | +13.87% | |
| 1Y Return | +22.71% | +23.31% | |
| 3Y Return (annualized) | +21.41% | +21.17% | |
| 5Y Return (annualized) | +12.56% | +12.23% | |
| Volatility (annualized) | 16.7% | 15.3% | |
| Max Drawdown | -34.8% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 11, 2017 | May 24, 2001 |
SCHK vs VTI Performance
Schwab 1000 Index ETF (SCHK) is a ETF from Charles Schwab Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SCHK returned +22.71% while VTI returned +23.31%. Year to date, SCHK is up 13.72% versus a gain of 13.87% for VTI.
Over three years, SCHK compounded at +21.41% per year against +21.17% for VTI; over five years the annualized figures are +12.56% and +12.23% respectively. Across the full 9-year window we track, SCHK has the edge at +14.04% annualized vs +8.13%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHK has been the more volatile fund, with annualized monthly volatility of 16.7% 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 -34.8% for SCHK 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 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 1.03% against 1.07% for VTI.
Holdings Overlap
SCHK and VTI share 820 holdings out of 2945 unique holdings combined, representing a 86.9% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, SCHK or VTI?
SCHK has an expense ratio of 0.03% while VTI charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, SCHK or VTI?
Over the past year SCHK returned +22.71% vs +23.31% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (9 years), SCHK annualized +14.04% vs +8.13% for VTI. Past performance does not guarantee future results.
Which is riskier, SCHK or VTI?
SCHK has been the more volatile fund at 16.7% annualized versus 15.3% for VTI. Worst drawdown: SCHK -34.8% vs VTI -56.6%.
Should I hold both SCHK and VTI?
SCHK and VTI have a monthly-return correlation of 1.00, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between SCHK and VTI?
SCHK and VTI share 820 common holdings with a 86.9% weight overlap. Combined, they hold 2945 unique securities.
Which pays a higher dividend, SCHK or VTI?
SCHK yields 1.03% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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