SCHX vs VTI
Schwab US Large-Cap ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SCHX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $75.1B | $666.9B | |
| Dividend Yield | 1.03% | 1.07% | |
| Holdings | 754 | 3,543 | |
| YTD Return | +12.63% | +13.14% | |
| 1Y Return | +21.43% | +22.35% | |
| 3Y Return (annualized) | +22.06% | +21.83% | |
| 5Y Return (annualized) | +12.38% | +12.01% | |
| Volatility (annualized) | 14.5% | 15.3% | |
| Max Drawdown | -34.3% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 3, 2009 | May 24, 2001 |
SCHX vs VTI Performance
Schwab US Large-Cap ETF (SCHX) 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 SCHX returned +21.43% while VTI returned +22.35%. Year to date, SCHX is up 12.63% versus a gain of 13.14% for VTI.
Over three years, SCHX compounded at +22.06% per year against +21.83% for VTI; over five years the annualized figures are +12.38% and +12.01% respectively. Across the full 17-year window we track, SCHX has the edge at +13.14% annualized vs +8.09%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 14.5% for SCHX. 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 -34.3% for SCHX 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
SCHX charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCHX currently yields 1.03% against 1.07% for VTI.
Holdings Overlap
SCHX and VTI share 641 holdings out of 2896 unique holdings combined, representing a 86.2% weight overlap.
High overlap means holding both may not provide much additional diversification.
Frequently Asked Questions
Which is cheaper, SCHX or VTI?
SCHX 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, SCHX or VTI?
Over the past year SCHX returned +21.43% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (17 years), SCHX annualized +13.14% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, SCHX or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.5% for SCHX. Worst drawdown: SCHX -34.3% vs VTI -56.6%.
Should I hold both SCHX and VTI?
SCHX 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 SCHX and VTI?
SCHX and VTI share 641 common holdings with a 86.2% weight overlap. Combined, they hold 2896 unique securities.
Which pays a higher dividend, SCHX or VTI?
SCHX yields 1.03% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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