Which returned more over the last year, SCHX or VTI?

In the year to Oct 28, 2026, with distributions reinvested, SCHX returned +13.1% and VTI +13.5%.

Which is cheaper, SCHX or VTI?

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

How much do SCHX and VTI overlap with the S&P 500?

By their latest filed holdings, 94% of SCHX and 88% of VTI by weight is stocks the S&P 500 already holds.

Data as of Oct 28, 2026.

Across categories

SCHX vs VTI: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SCHX returned +13.1% to VTI's +13.5%; 92% of their weight is in the same names.

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Net assets: $74.2bn on Aug 31, 2026 for Schwab U.S. Large-Cap ETF, and $689.2bn on Sep 30, 2026 for Vanguard Morningstar Total Stock Market ETF.

SCHX on its own →VTI on its own →

At a glance

+13.1%

SCHX total return, 1 year

+13.5%

VTI total return, 1 year

0.03%

SCHX expense ratio

0.03%

VTI expense ratio

Pair scorecard

Both cost 0.03% a year; their one-year returns differ by 0.4 points.

Points (pts) are percentage points.

SCHX vs VTI: Differences, Returns & Fees
Measure	SCHX	VTI
Return
Measure	SCHX	VTI
Total return, 1 year	+13.1%	+13.5%
Benchmark
Measure	SCHX	VTI
What it tracks	Dow Jones U.S. Large-Cap Total Stock Market Index	Morningstar US Total Market Index
Cost and size
Measure	SCHX	VTI
Expense ratio	0.03%	0.03%
Net assets, SCHX as of Aug 31, 2026 and VTI as of Sep 30, 2026	$74.2bn	$689.2bn
Holdings
Measure	SCHX	VTI
Holdings in common	92%
Top ten holdings, share of the fund	36.0%	34.7%

Holdings in common uses holdings dated Aug 31, 2026 and Sep 30, 2026. Method

Risk and return

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

SCHX VTI

Return

Total return edge SCHX (slight) +831.5% +810.1%

Annualized edge Tie +14.0% +13.9%

Price return edge SCHX (slight) +597.2% +576.2%

Risk

Volatility edge Tie 16.2% 16.5%

Max drawdown edge Tie −32.3% −32.9%

Risk-adjusted

Sharpe edge SCHX (slight) 0.80 0.78

Sortino edge SCHX (slight) 1.16 1.13

Calmar edge SCHX (slight) 0.43 0.42

Reading

SCHX returned slightly more: +831.5% to +810.1%. SCHX and VTI swung about the same: 16.2% and 16.5%. SCHX and VTI fell about the same at their worst: −32.3% and −32.9%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: SCHX vs VTI: Differences, Returns & Fees
Measure	SCHX	VTI	Edge	How it is measured
Return
Total return	+831.5%	+810.1%	SCHX (slight)	Price change plus distributions, reinvested.
Annualized	+14.0%	+13.9%	Tie	Total return as a yearly rate.
Price return	+597.2%	+576.2%	SCHX (slight)	Price change alone, distributions left out.
Risk
Volatility	16.2%	16.5%	Tie	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	11.2%	11.4%	Tie	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−32.3%	−32.9%	Tie	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	0.80	0.78	SCHX (slight)	Return above Treasury bills per unit of volatility.
Sortino	1.16	1.13	SCHX (slight)	Return above Treasury bills per unit of downside deviation.
Calmar	0.43	0.42	SCHX (slight)	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

92%

By the books each fund has filed, SCHX and VTI hold 92% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Sep 30, 2026.

50%

0 half 100%

half

92% in common

Positions both hold · largest shared weight first SCHX VTI

NVIDIA Corp 7.69% 7.14%

Apple Inc 6.69% 6.63%

Microsoft Corp 5.42% 5.20%

Amazon.com Inc 3.66% 3.30%

Alphabet Inc 2.86% 2.76%

Broadcom Inc 2.52% 2.28%

Alphabet Inc 2.28% 2.18%

Meta Platforms Inc 1.81% 2.18%

Micron Technology Inc 1.56% 1.64%

Tesla Inc 1.49% 1.37%

Eli Lilly & Co 1.32% 1.34%

Berkshire Hathaway Inc 1.33% 1.21%

Only in one fund ↓

Only in SCHX

ONEOK Inc 0.09%

NXP Semiconductors NV 0.08%

Royalty Pharma PLC 0.03%

Amrize Ltd 0.03%

Coupang Inc 0.03%

Amcor PLC 0.03%

Autoliv Inc 0.01%

Ubiquiti Inc 0.00%

Only in VTI

Sandisk Corp 0.35%

SLCMT1142 0.21%

Lumentum Holdings Inc 0.12%

ONEOK Inc 0.07%

Revolution Medicines Inc 0.06%

Waste Connections Inc 0.05%

MKTLIQ 0.05%

Berkshire Hathaway Inc 0.04%

Check overlap with more funds →

Side by side

SCHX Schwab U.S. Large-Cap ETF VTI Vanguard Morningstar Total Stock Market ETF

Where it sits Stock ETF Stock ETF

Issuer Schwab Vanguard

What it is Tracks an index of U.S. Large-Cap Tracks an index of US total market

Total return, 1 year +13.1% +13.5%

Its benchmark over the same days +13.7% (IVV) not measured

Gap to its benchmark −0.6 pts vs IVV not measured

Expense ratio 0.03% 0.03%

Already in the S&P 500 93.6% 88.1%

Holdings 747 3521

Net assets, SCHX as of Aug 31, 2026 and VTI as of Sep 30, 2026 $74.2bn $689.2bn

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

Client brief · page 1 of 2 Report BR-F7158AF5F5

SCHX and VTI are built for the same job. How do they differ in cost, holdings and results?

What each follows. SCHX follows Dow Jones U.S. Large-Cap Total Stock Market Index and VTI follows Morningstar US Total Market Index.
Number of holdings. SCHX holds 747 positions and VTI holds 3521.
Holdings in common (similar). 92% of the weight is in the same securities (holdings dated Aug 31, 2026 and Sep 30, 2026).

Data as of Oct 28, 2026.

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About each fund

SCHX

SCHX tracks an index of U.S. Large-Cap. Over the year to Oct 28, 2026 it returned +13.1% with distributions reinvested, against +13.7% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.03% a year. By its holdings filed for Aug 31, 2026, 94% of the fund by weight is stocks the S&P 500 also holds, across 747 positions, with the top ten at 36.0%.

VTI

VTI tracks an index of US total market. Over the year to Oct 28, 2026 it returned +13.5% with distributions reinvested. By its holdings published by its issuer as of Sep 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3,521 positions, with the top ten at 34.7%.

Questions people ask

Which returned more over the last year, SCHX or VTI?: In the year to Oct 28, 2026, with distributions reinvested, SCHX returned +13.1% and VTI +13.5%.
Which is cheaper, SCHX or VTI?: Neither: SCHX and VTI both charge 0.03% a year. Fees come from each fund's prospectus.
How much do SCHX and VTI overlap with the S&P 500?: By their latest filed holdings, 94% of SCHX and 88% of VTI by weight is stocks the S&P 500 already holds.

Other comparisons

SCHX vs SPY IVV vs SCHX SCHX vs VOO SCHX vs SPYM ITOT vs VTI VIG vs VTI SPYM vs VTI SPHQ vs VTI

Where to next

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

Sources and dates

SCHX filings on SEC EDGAR ↗

SCHX prospectus with the expense ratio (SEC) ↗

Schwab website ↗

VTI filings on SEC EDGAR ↗

VTI prospectus with the expense ratio (SEC) ↗

Vanguard page for VTI ↗

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, SCHX against VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/schx-vs-vti

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