Data as of Oct 28, 2026.
ITOT vs SCHD: Differences, Returns & Fees
Over the year to Oct 28, 2026, ITOT returned +13.4% to SCHD's +34.5%; 7% of their weight is in the same names.
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Net assets: $97.1bn on Oct 27, 2026 for iShares Core S&P Total U.S. Stock Market ETF, and $112.3bn on Aug 31, 2026 for Schwab U.S. Dividend Equity ETF.
Pair scorecard
ITOT costs 0.03 points a year less; their one-year returns differ by 21.1 points.
| Measure | ITOT | SCHD |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.4% | +34.5% |
| Benchmark | ||
| What it tracks | S&P Total Market Index (TMI) | Dow Jones U.S. Dividend 100 Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.06% |
| Net assets, ITOT as of Oct 27, 2026 and SCHD as of Aug 31, 2026 | $97.1bn | $112.3bn |
| Holdings | ||
| Holdings in common | 7% | |
| Top ten holdings, share of the fund | 33.9% | 41.7% |
Holdings in common uses holdings dated Aug 31, 2026 and Oct 27, 2026. Method
Risk and return
Oct 28, 2011 to Oct 23, 2026 · 782 weekly returnsITOT returned more: +629.9% to +554.4%. SCHD swung slightly less: 14.8% to 16.2%. SCHD fell slightly less at its worst: −31.5% to −33.2%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | ITOT | SCHD | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +629.9% | +554.4% | ITOT | Price change plus distributions, reinvested. |
| Annualized | +14.1% | +13.3% | ITOT (slight) | Total return as a yearly rate. |
| Price return | +466.3% | +306.8% | ITOT | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 16.2% | 14.8% | SCHD (slight) | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 11.1% | 10.4% | SCHD (slight) | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −33.2% | −31.5% | SCHD (slight) | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.79 | 0.80 | Tie | Return above Treasury bills per unit of volatility. |
| Sortino | 1.16 | 1.15 | Tie | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.43 | 0.42 | Tie | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 782 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, ITOT and SCHD hold 7% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Oct 27, 2026.
half
7% in common
Only in one fund ↓
Side by side
ITOT and SCHD on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
ITOT and SCHD do different jobs. What does each one do in a portfolio?
- What each follows. ITOT follows S&P Total Market Index (TMI) and SCHD follows Dow Jones U.S. Dividend 100 Index.
- Holdings in common. 7% of the weight is in the same securities (holdings dated Oct 27, 2026 and Aug 31, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 ITOT returned +13.4% and SCHD +34.5% with distributions reinvested, a gap of 21.1 points.
Data as of Oct 28, 2026.
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ITOT
ITOT tracks the S&P Total U.S. Stock Market. Over the year to Oct 28, 2026 it returned +13.4% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings published by its issuer for Oct 27, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2,443 positions, with the top ten at 33.9%.
SCHD
SCHD tracks an index of US dividend. Over the year to Oct 28, 2026 it returned +34.5% with distributions reinvested. The prospectus expense ratio is 0.06% a year. By its holdings filed for Aug 31, 2026, 95% of the fund by weight is stocks the S&P 500 also holds, across 99 positions, with the top ten at 41.7%.
Questions people ask
- Which returned more over the last year, ITOT or SCHD?
- In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and SCHD +34.5%.
- Which is cheaper, ITOT or SCHD?
- ITOT is cheaper, by 0.03 percentage points a year. That is about $3 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, ITOT against SCHD, data as of Oct 28, 2026. https://etfiq.com/compare/any/itot-vs-schd
ETFIQ. (Oct 28, 2026). ITOT against SCHD. Retrieved from https://etfiq.com/compare/any/itot-vs-schd
[ITOT against SCHD (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/itot-vs-schd)
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