SCHB vs VTI
SCHB vs VTI
Schwab US Broad Market 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 | SCHB | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $42.9B | $663.5B | |
| Dividend Yield | 1.04% | 1.07% | |
| Holdings | 2,400 | 3,543 | |
| YTD Return | +11.85% | +11.83% | |
| 1Y Return | +21.63% | +21.79% | |
| 3Y Return (annualized) | +20.40% | +20.40% | |
| 5Y Return (annualized) | +11.99% | +11.96% | |
| Volatility (annualized) | 14.8% | 15.3% | |
| Max Drawdown | -35.3% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Nov 3, 2009 | May 24, 2001 |
SCHB vs VTI Performance
Schwab US Broad Market ETF (SCHB) 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 SCHB returned +21.63% while VTI returned +21.79%. Year to date, SCHB is up 11.85% versus a gain of 11.83% for VTI.
Over three years, SCHB compounded at +20.40% per year against +20.40% for VTI; over five years the annualized figures are +11.99% and +11.96% respectively. Across the full 17-year window we track, SCHB has the edge at +12.96% annualized vs +8.06%. 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 14.8% for SCHB. 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 -35.3% for SCHB 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
SCHB charges 0.03% per year while VTI charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SCHB currently yields 1.04% against 1.07% for VTI.
Holdings Overlap
SCHB and VTI share 1253 holdings out of 3099 unique holdings combined, representing a 81.4% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in SCHB | Weight in VTI | Difference |
|---|---|---|---|
| NVDA | 6.72% | 6.32% | 0.40% |
| AAPL | 5.91% | 5.84% | 0.07% |
| MSFT | 4.36% | 3.81% | 0.55% |
| AMZN | Pro | Pro | Pro |
| GOOGL | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
See all 10 holdings SCHB shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, SCHB or VTI?
SCHB 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, SCHB or VTI?
Over the past year SCHB returned +21.63% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (17 years), SCHB annualized +12.96% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, SCHB or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.8% for SCHB. Worst drawdown: SCHB -35.3% vs VTI -56.6%.
Should I hold both SCHB and VTI?
SCHB 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 SCHB and VTI?
SCHB and VTI share 1253 common holdings with a 81.4% weight overlap. Combined, they hold 3099 unique securities.
Which pays a higher dividend, SCHB or VTI?
SCHB yields 1.04% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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