SWTSX vs VOO
SWTSX vs VOO
Schwab Total Stock Market Index Fund vs Vanguard S&P 500 ETF
Quick Verdict
VOO delivered stronger 1-year returns. SWTSX offers more diversification with 2959 holdings.
Side-by-Side Comparison
| Metric | SWTSX | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.03% | 0.03% | |
| AUM | $43.8B | $979.0B | |
| Dividend Yield | 0.99% | 1.09% | |
| Holdings | 2,987 | 509 | |
| YTD Return | +11.80% | +13.53% | |
| 1Y Return | -82.81% | +23.65% | |
| 3Y Return (annualized) | -37.87% | +21.27% | |
| 5Y Return (annualized) | -25.24% | +13.52% | |
| Volatility (annualized) | 41.6% | 14.1% | |
| Max Drawdown | -86.0% | -34.3% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Jun 1, 1999 | Sep 7, 2010 |
SWTSX vs VOO Performance
Schwab Total Stock Market Index Fund (SWTSX) is a mutual fund from Charles Schwab Asset Management and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year SWTSX returned -82.81% while VOO returned +23.65%. Year to date, SWTSX is up 11.80% versus a gain of 13.53% for VOO.
Over three years, SWTSX compounded at -37.87% per year against +21.27% for VOO; over five years the annualized figures are -25.24% and +13.52% respectively. Across the full 5-year window we track, VOO has the edge at +13.57% annualized vs -25.24%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SWTSX has been the more volatile fund, with annualized monthly volatility of 41.6% compared with 14.1% for VOO. 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 -86.0% for SWTSX and -34.3% for VOO. 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 0.34. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SWTSX charges 0.03% per year while VOO charges 0.03%. On a $10,000 position that is $3 vs $3 annually. On income, SWTSX currently yields 0.99% against 1.09% for VOO.
Holdings Overlap
SWTSX and VOO share 493 holdings out of 2971 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 SWTSX | Weight in VOO | Difference |
|---|---|---|---|
| NVDA | 6.91% | 7.51% | 0.60% |
| AAPL | 5.70% | 6.59% | 0.89% |
| MSFT | 4.76% | 4.30% | 0.46% |
| AMZN | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
| BRK.B | Pro | Pro | Pro |
| MU | Pro | Pro | Pro |
See all 10 holdings SWTSX shares with VOO 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, SWTSX or VOO?
SWTSX has an expense ratio of 0.03% while VOO charges 0.03%. They cost the same. On a $10,000 investment, that is $0 per year of difference.
Which performed better, SWTSX or VOO?
Over the past year SWTSX returned -82.81% vs +23.65% for VOO, so VOO leads on 1-year performance. Over the longest common window we track (5 years), SWTSX annualized -25.24% vs +13.57% for VOO. Past performance does not guarantee future results.
Which is riskier, SWTSX or VOO?
SWTSX has been the more volatile fund at 41.6% annualized versus 14.1% for VOO. Worst drawdown: SWTSX -86.0% vs VOO -34.3%.
Should I hold both SWTSX and VOO?
SWTSX and VOO have a monthly-return correlation of 0.34, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SWTSX and VOO?
SWTSX and VOO share 493 common holdings with a 81.4% weight overlap. Combined, they hold 2971 unique securities.
Which pays a higher dividend, SWTSX or VOO?
SWTSX yields 0.99% while VOO yields 1.09%, so VOO currently pays the higher dividend yield.
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