SGVT vs VTI
Schwab Government Money Market 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 | SGVT | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.28% | 0.03% | |
| AUM | $867M | $666.9B | |
| Dividend Yield | 3.25% | 1.07% | |
| Holdings | 215 | 3,543 | |
| YTD Return | +2.10% | +14.82% | |
| 1Y Return | +3.66% | +22.43% | |
| 3Y Return (annualized) | - | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 0.2% | 15.4% | |
| Max Drawdown | -0.0% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Money Market | Equity | |
| Inception | Jun 12, 2025 | May 24, 2001 |
SGVT vs VTI Performance
Schwab Government Money Market ETF (SGVT) 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 SGVT returned +3.66% while VTI returned +22.43%. Year to date, SGVT is up 2.10% versus a gain of 14.82% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.4% compared with 0.2% for SGVT. 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 -0.0% for SGVT 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 -0.06. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SGVT charges 0.28% per year while VTI charges 0.03%. On a $10,000 position that is $28 vs $3 annually, a gap of $25 per year that compounds over a long holding period. On income, SGVT currently yields 3.25% against 1.07% for VTI.
Holdings Overlap
SGVT and VTI share 0 holdings out of 2833 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SGVT or VTI?
SGVT has an expense ratio of 0.28% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $25 per year of difference.
Which performed better, SGVT or VTI?
Over the past year SGVT returned +3.66% vs +22.43% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (1 years), SGVT annualized +3.74% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, SGVT or VTI?
VTI has been the more volatile fund at 15.4% annualized versus 0.2% for SGVT. Worst drawdown: SGVT -0.0% vs VTI -56.6%.
Should I hold both SGVT and VTI?
SGVT and VTI have a monthly-return correlation of -0.06, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SGVT and VTI?
SGVT and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2833 unique securities.
Which pays a higher dividend, SGVT or VTI?
SGVT yields 3.25% while VTI yields 1.07%, so SGVT currently pays the higher dividend yield.
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