Which returned more over the last year, ITOT or SCHF?

In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and SCHF +17.6%.

Which is cheaper, ITOT or SCHF?

Neither: ITOT and SCHF both charge 0.03% a year. Fees come from each fund's prospectus.

How much do ITOT and SCHF overlap with the S&P 500?

By their latest filed holdings, 88% of ITOT and 0% of SCHF by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

ITOT vs SCHF: Differences, Returns & Fees

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Over the year to Oct 28, 2026, ITOT returned +13.4% to SCHF's +17.6%; 0% 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 $69.7bn on Aug 31, 2026 for Schwab International Equity ETF.

ITOT on its own →SCHF on its own →

At a glance

+13.4%

ITOT total return, 1 year

+17.6%

SCHF total return, 1 year

0.03%

ITOT expense ratio

0.03%

SCHF expense ratio

Pair scorecard

Both cost 0.03% a year; their one-year returns differ by 4.2 points.

Points (pts) are percentage points.

ITOT vs SCHF: Differences, Returns & Fees
Measure	ITOT	SCHF
Return
Measure	ITOT	SCHF
Total return, 1 year	+13.4%	+17.6%
Drawdown
Measure	ITOT	SCHF
Below its high		4.4%, high on Aug 25, 2026
Benchmark
Measure	ITOT	SCHF
What it tracks	S&P Total Market Index (TMI)	FTSE Developed ex US Index
Cost and size
Measure	ITOT	SCHF
Expense ratio	0.03%	0.03%
Net assets, ITOT as of Oct 27, 2026 and SCHF as of Aug 31, 2026	$97.1bn	$69.7bn
Holdings
Measure	ITOT	SCHF
Holdings in common	0%
Top ten holdings, share of the fund	33.9%	13.8%

Holdings in common uses holdings dated Aug 31, 2026 and Oct 27, 2026. Method

Risk and return

Nov 13, 2009 to Oct 23, 2026 · 884 weekly returns

ITOT SCHF

Return

Total return edge ITOT +799.5% +222.5%

Annualized edge ITOT +13.8% +7.1%

Price return edge ITOT +573.6% +106.8%

Risk

Volatility edge ITOT (slight) 16.4% 17.1%

Max drawdown edge Tie −33.2% −33.8%

Risk-adjusted

Sharpe edge ITOT 0.78 0.40

Sortino edge ITOT 1.13 0.56

Calmar edge ITOT 0.42 0.21

Reading

ITOT returned more: +799.5% to +222.5%. ITOT swung slightly less: 16.4% to 17.1%. ITOT and SCHF fell about the same at their worst: −33.2% and −33.8%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: ITOT vs SCHF: Differences, Returns & Fees
Measure	ITOT	SCHF	Edge	How it is measured
Return
Total return	+799.5%	+222.5%	ITOT	Price change plus distributions, reinvested.
Annualized	+13.8%	+7.1%	ITOT	Total return as a yearly rate.
Price return	+573.6%	+106.8%	ITOT	Price change alone, distributions left out.
Risk
Volatility	16.4%	17.1%	ITOT (slight)	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	11.3%	12.1%	ITOT (slight)	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−33.2%	−33.8%	Tie	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	0.78	0.40	ITOT	Return above Treasury bills per unit of volatility.
Sortino	1.13	0.56	ITOT	Return above Treasury bills per unit of downside deviation.
Calmar	0.42	0.21	ITOT	Annualized return divided by the max drawdown.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 884 weekly returns. Cash rate: the 13-week Treasury bill.

What they share

By the books each fund has filed, ITOT and SCHF hold 0% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Oct 27, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first ITOT SCHF

SUNBELT RENTALS HOLDINGS INC 0.04% 0.10%

AMRIZE AG 0.03% 0.07%

APA 0.02% 0.03%

JAMES HARDIE INDUSTRIES PLC 0.02% 0.06%

RB GLOBAL 0.02% 0.05%

COMPASS INC CLASS A 0.01% 0.17%

Only in one fund ↓

Only in ITOT

NVIDIA 7.06%

APPLE 6.78%

MICROSOFT 5.28%

AMAZON.COM INC 3.32%

ALPHABET CLASS A 2.52%

BROADCOM INC 2.18%

ALPHABET CLASS C 2.02%

META PLATFORMS CLASS A 1.83%

Only in SCHF

Samsung Electronics Co Ltd 2.88%

SK hynix Inc 2.23%

ASML Holding NV 2.14%

HSBC Holdings PLC 1.17%

Roche Holding AG 1.00%

Royal Bank of Canada 0.94%

Novartis AG 0.94%

Shell PLC 0.83%

Check overlap with more funds →

Side by side

ITOT iShares Core S&P Total U.S. Stock Market ETF SCHF Schwab International Equity ETF

Where it sits Stock ETF Stock ETF

Issuer iShares Schwab

What it is Tracks the S&P Total U.S. Stock Market Tracks an index of International Equity

Total return, 1 year +13.4% +17.6%

Its benchmark over the same days not measured +12.1% (EFA)

Gap to its benchmark not measured +5.5 pts vs EFA

Expense ratio 0.03% 0.03%

Already in the S&P 500 88.1% 0.0%

Holdings 2443 1475

Net assets, ITOT as of Oct 27, 2026 and SCHF as of Aug 31, 2026 $97.1bn $69.7bn

ITOT and SCHF on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Client brief · page 1 of 2 Report BR-BFA1BE2A34

ITOT and SCHF do different jobs. What does each one do in a portfolio?

What each follows. ITOT follows S&P Total Market Index (TMI) and SCHF follows FTSE Developed ex US Index.
Holdings in common. 0% 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 SCHF +17.6% with distributions reinvested, a gap of 4.2 points.

Data as of Oct 28, 2026.

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About each fund

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%.

SCHF

SCHF tracks an index of International Equity. Over the year to Oct 28, 2026 it returned +17.6% with distributions reinvested, against +12.1% for its benchmark, the MSCI EAFE Index. By its holdings filed for Aug 31, 2026, 0% of the fund by weight is stocks the S&P 500 also holds, across 1,475 positions, with the top ten at 13.8%. It sat 4.4% below its high of Aug 25, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, ITOT or SCHF?: In the year to Oct 28, 2026, with distributions reinvested, ITOT returned +13.4% and SCHF +17.6%.
Which is cheaper, ITOT or SCHF?: Neither: ITOT and SCHF both charge 0.03% a year. Fees come from each fund's prospectus.
How much do ITOT and SCHF overlap with the S&P 500?: By their latest filed holdings, 88% of ITOT and 0% of SCHF by weight is stocks the S&P 500 already holds.

Other comparisons

ITOT vs IXUS ITOT vs VXUS ITOT vs VEA ACWX vs ITOT SCHF vs VIG SCHF vs SCHX SCHF vs SPYM IWB vs SCHF

Where to next

ITOT on its own →SCHF on its own →Hold both: look the portfolio through →Rankings →ITOT dividend history →ITOT holdings →SCHF dividend history →SCHF holdings →Standards and sources →

Sources and dates

ITOT filings on SEC EDGAR ↗

ITOT prospectus with the expense ratio (SEC) ↗

iShares page for ITOT ↗

SCHF filings on SEC EDGAR ↗

SCHF prospectus with the expense ratio (SEC) ↗

Schwab website ↗

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.

Cite this pageCitation, APA and Markdown

ETFIQ, ITOT against SCHF, data as of Oct 28, 2026. https://etfiq.com/compare/any/itot-vs-schf

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.