SCHB vs VTI: which ETF is better?
Schwab U.S. Broad Market ETF (SCHB) and Vanguard Morningstar Total Stock Market ETF (VTI) compared on fees, holdings overlap, dividend yield, returns and risk, using the latest data.
- SCHB and VTI have very high overlap: 92% of each fund by weight sits in the same holdings.
- Both charge the same expense ratio, 0.03% a year.
- Over the last 10 years, VTI returned an average of 14.8% a year against 14.3% for SCHB, with dividends reinvested.
- Overlap by weight
- 91.8%
- Shared holdings
- 2,354
| SCHB | VTI | |
|---|---|---|
| Name | Schwab U.S. Broad Market ETF | Vanguard Morningstar Total Stock Market ETF |
| Issuer | Schwab | Vanguard |
| Listed on | NYSE Arca · USD | NYSE Arca · USD |
| Expense ratio | 0.03% | 0.03% |
| Assets (AUM) | $43.2B | $689B |
| Launched | Nov 3, 2009 | May 24, 2001 |
| Holdings | 2,409 | 3,469 |
| Dividend yield (12m) | 1.09% · quarterly | 1.09% · quarterly |
| Asset class | Equity | Large Cap Equity |
| Annualised return | SCHB | VTI |
|---|---|---|
| 1 year | +11.0% | +11.1% |
| 3 years | +20.4% | +20.4% |
| 5 years | +9.9% | +9.9% |
| 10 years | +14.3% | +14.8% |
| Volatility | 15.3% | 15.5% |
| Max drawdown | -35.3% | -35.0% |
Volatility is the annualised standard deviation of daily returns over 3 years. Max drawdown is the largest fall from a peak over the last 10 years, or since launch.
| Holding | SCHB | VTI |
|---|---|---|
| AAPLAPPLE | 7.08% | 6.63% |
| NVDANVIDIA | 6.19% | 7.13% |
| MSFTMICROSOFT | 5.61% | 5.19% |
| AMZNAMAZON COM INC | 3.60% | 3.30% |
| GOOGLALPHABET CLASS A | 2.34% | 2.76% |
| AVGOBROADCOM INC | 1.95% | 2.28% |
| GOOGALPHABET CLASS C | 1.89% | 2.18% |
| METAMETA PLATFORMS CLASS A | 1.88% | 2.18% |
| TSLATESLA INC | 1.36% | 1.36% |
| LLYELI LILLY | 1.54% | 1.34% |
Pull each fund's details, full price history and holdings into Google Sheets or Excel, so your comparison updates itself.
=SF("SCHB","etfInfo","expenseRatio&assetsUnderManagement&holdingsCount")=SF_TIMESERIES("SCHB","2016-10-01",TODAY(),"dailyAdj")=SF("VTI","etfInfo","expenseRatio&assetsUnderManagement&holdingsCount")=SF_TIMESERIES("VTI","2016-10-01",TODAY(),"dailyAdj")Prices to Nov 6, 2026; holdings last checked Nov 6, 2026. Returns are in each fund's trading currency (USD). Past performance doesn't predict future returns. For information only, not investment advice.
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SCHB vs VTI: frequently asked questions
How much do SCHB and VTI overlap?
91.8% by weight. They share 2,354 holdings, and that share of each fund is invested in exactly the same positions. That's very high, so holding both adds little diversification.
Is SCHB or VTI cheaper?
They cost the same: both have an expense ratio of 0.03% a year.
Which has performed better, SCHB or VTI?
Over the last 10 years, VTI has. SCHB returned 14.3% and VTI 14.8% a year on average, including reinvested dividends, as of Nov 6, 2026. Past returns don't predict future ones.
Which pays a higher dividend, SCHB or VTI?
Neither: they yield the same. Over the last 12 months SCHB yielded 1.09%, paid quarterly, and VTI 1.09%, paid quarterly.
Should I hold both SCHB and VTI?
Holding both mostly doubles up on the same stocks, since 92% of each fund is in the same positions. Most investors pick one, often the cheaper one. This is general information, not advice.
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