SCHB vs VTI: Fees, Returns & Holdings Compared

	Expense ratio	Net assets	Yield (TTM)	Overlap	1 yr	5 yr*
SCHB	0.03%	$44.61B	1.07%	at least 84%	+11.4%	+10.7%
VTI	0.03%	$2.30T	1.06%		+12.5%	+11.0%

At a glance

At least 84% of SCHB’s and VTI’s holdings overlap by weight. SCHB is an ordinary open-end ETF and VTI a share class of Vanguard Total Stock Market Index Fund, which also sells mutual fund shares. Both charge 0.03% a year, $30 on every $100,000. SCHB has $44.61B in assets and VTI $2.30T (all share classes); over the past 12 months SCHB paid out 1.07% of its price and VTI 1.06%, both quarterly. Over the past year SCHB returned +11.4% and VTI +12.5% with distributions reinvested; over five years, +10.7% and +11.0% a year. In the 2022 bear market SCHB fell 25.4% at its worst and VTI 25.4%; both were back at their earlier highs 14 months after the low.

Key differences

	SCHB	VTI
Fund	Schwab U.S. Broad Market ETF	Vanguard Total Stock Market ETF
Issuer	Schwab	Vanguard
Structure	Open-end ETF	ETF share class
Type	Whole market	Whole market
Launched	Nov 3, 2009	May 24, 2001
Expense ratio	0.03%	0.03%
Cost a year on $100,000	$30	$30
Net assets	$44.61B	$2.30T *
Holdings	2,374	3,531
Ten largest positions	33.7%	32.0%
Yield (12 months)	1.07%	1.06%
Pays	quarterly	quarterly
Portfolio turnover	3% a year	3% a year
Price data from	Nov 3, 2009	Jun 2, 2020

* VTI’s net assets are those of Vanguard Total Stock Market Index Fund, all share classes.

Holdings and overlap

Overlap by weightat least 84%the share of each fund in holdings both own

Securities in commonat least 558SCHB 2,374 · VTI 3,531 in all

Ten largest positions33.7% / 32.0%of assets, SCHB / VTI

Overlap adds up, for every security both funds own, the smaller of its two weights: 100% would mean identical portfolios. The holdings reports list SCHB and VTI beyond their 600 largest positions only (92% of SCHB, 92% of VTI), so the figures are floors.

Largest holdings

Holding	SCHB	VTI
NVIDIA Corp	7.20%	6.36%
Apple Inc	6.27%	5.87%
Microsoft Corp	5.08%	3.83%
Amazon.com Inc	3.42%	3.19%
Alphabet Inc	2.68%	2.90%
Broadcom Inc	2.36%	2.47%
Alphabet Inc	2.13%	2.28%
Micron Technology Inc	1.46%	1.80%
Meta Platforms Inc	1.69%	1.71%
Tesla Inc	1.39%	1.64%

The biggest differences in weight: Microsoft Corp (5.1% in SCHB, 3.8% in VTI); ExxonMobil Holdings Corp (0.9% in SCHB, 0.0% in VTI); NVIDIA Corp (7.2% in SCHB, 6.4% in VTI).

By sector

Sector	SCHB	VTI	Difference
Technology	32.3%	31.1%	SCHB +1.2
Financials	10.3%	9.6%	SCHB +0.7
Communication services	8.0%	8.3%	VTI +0.3
Consumer discretionary	8.0%	8.0%	—
Health care	6.6%	6.5%	SCHB +0.1
Industrials	5.7%	6.2%	VTI +0.5
Consumer staples	3.9%	3.9%	—
Energy	2.0%	2.5%	VTI +0.5
Utilities	1.5%	1.7%	VTI +0.2
Materials	1.1%	1.2%	VTI +0.1
Real estate	1.1%	1.1%	—

Sectors of the companies each fund holds that have a stock page here (81.3% of SCHB, 80.8% of VTI). Source: N-PORT holdings reports as of Aug 31, 2026 (SCHB) and Jun 30, 2026 (VTI).

Returns

SCHB VTI · $10,000 in each on Jun 30, 2020, distributions reinvested.

$10,000 put into SCHB on Jun 30, 2020 was worth $25,908 on Oct 30, 2026, and in VTI $25,903 (+16.2% and +16.2% a year). That is as far back as the price data for both goes.

	1 yr	3 yr	5 yr	10 yr
SCHB price data to Nov 2, 2026	+11.4%	+21.7%	+10.7%	+15.0%
SCHB official prospectus, to Dec 31, 2024	+23.88%	—	+13.83%	+12.51%
VTI price data to Oct 30, 2026	+12.5%	+23.4%	+11.0%	—
VTI official prospectus, to Dec 31, 2025	+17.14%	—	+13.08%	+14.25%

Multi-year figures are annualized total returns with distributions reinvested. "Official" rows are the SEC-standard returns from each fund's prospectus, to the end of the last calendar year; they reach back further where the price data starts late. VTI: Price data starts 2020-06-02, after the fund's launch on 2001-05-24; figures "since start" cover the available history only.

Calendar years

Year	SCHB	VTI	Difference
2026	+11.3% *	+11.8% *	VTI +0.5
2025	+16.9%	+17.1%	VTI +0.2
2024	+23.9%	+23.8%	SCHB +0.1
2023	+26.2%	+26.1%	SCHB +0.1
2022	-19.4%	-19.5%	SCHB +0.1
2021	+25.9%	+25.7%	SCHB +0.2
2020	+20.8%	+20.95% †
2019	+30.8%	+30.80% †
2018	-5.3%	-5.13% †
2017	+21.2%	—

Total returns from price data; † from the fund’s prospectus where the price data starts later; * year to Oct 30, 2026.

Downturns and recovery

	SCHB	VTI
2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009	Before it launched	Not in the price data (starts Jun 2, 2020)
2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020	−35.3% at the worst; back at its high 5 months after the low	Not in the price data (starts Jun 2, 2020)
2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022	−25.4% at the worst; back at its high 14 months after the low	−25.4% at the worst; back at its high 14 months after the low
Worst fall in the price data	−35.3% (Feb 19, 2020 – Mar 23, 2020)	−25.4% (Jan 3, 2022 – Oct 12, 2022)

The deepest drop from a high to a low during each stretch when stocks fell, and how long the fund took to get back to its earlier high, with distributions reinvested. The price data starts Nov 3, 2009 for SCHB and Jun 2, 2020 for VTI.

Income

SCHB yield (12 months)1.07%paid quarterly

VTI yield (12 months)1.06%paid quarterly

Year	SCHB	VTI
2025	$123	$130
2024	$151	$155
2023	$174	$179
2022	$127	$132
2021	$152	$151

Distributions paid during each calendar year on $10,000 of shares bought at the previous year-end close, adjusted for share splits. Before taxes.

Costs

Both funds charge 0.03% a year. The fee comes out of each fund's assets, so it is already in the returns above.

Cost of $10,000 (SEC example)	1 yr	3 yrs	5 yrs	10 yrs
SCHB	$3	$10	$17	$39
VTI	$3	$10	$17	$39

From each fund's prospectus: the total costs on $10,000 invested, at a 5% yearly return, with the shares sold at the end of each period.

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