SCHB vs. VTI

Last updated Aug 1, 2026

SCHB (Schwab U.S. Broad Market ETF) and VTI (Vanguard Total Stock Market ETF) are both Large Cap Blend Equities funds - SCHB tracks the Dow Jones U.S. Broad Stock Market Index while VTI tracks the CRSP US Total Market Index. Both are passively managed. Over the past 10 years, SCHB returned 14.63%/yr vs 14.63%/yr for VTI. Their 1.00 correlation means they have historically moved very closely together. Both charge a 0.03% expense ratio.

Performance

SCHB vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab U.S. Broad Market ETF (SCHB) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both stocks are quite close, with SCHB having a 10.58% return and VTI slightly lower at 10.49%. Over a longer period, both investments have demonstrated similar performance, with their 10-year annualized returns being quite close: SCHB at 14.63% and VTI at 14.63%.

SCHB

• 1D: 0.59%
• 1M: -0.21%
• 6M: 8.84%
• YTD: 10.58%
• 1Y: 19.74%
• 3Y*: 18.96%
• 5Y*: 11.79%
• 10Y*: 14.63%
• ALL TIME*: 14.17%

VTI

• 1D: 0.53%
• 1M: -0.29%
• 6M: 8.77%
• YTD: 10.49%
• 1Y: 19.82%
• 3Y*: 18.92%
• 5Y*: 11.74%
• 10Y*: 14.63%
• ALL TIME*: 9.58%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
SCHB Schwab U.S. Broad Market ETF	$212.56M	$205.35M	$255.93M
VTI Vanguard Total Stock Market ETF	$1.06B	$1.16B	$1.24B

SCHB vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
SCHB Schwab U.S. Broad Market ETF	10.58%	16.94%	23.93%	26.16%	-19.46%	25.84%	20.76%	30.79%	-5.43%	21.20%
VTI Vanguard Total Stock Market ETF	10.49%	17.10%	23.81%	26.05%	-19.52%	25.68%	21.08%	30.67%	-5.23%	21.21%

Correlation

The correlation between SCHB and VTI is 1.00 - they have historically moved very closely together. At this level, their price movements offset little of one another.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	1.00
Correlation (3Y) Balances recent behavior with more history.	1.00
Correlation (5Y) Shows whether the relationship held over a longer period.	1.00
Correlation (10Y) Provides a long-term view across more market conditions.	1.00
Correlation (All Time) Calculated using the full available price history since Nov 3, 2009	1.00

The correlation between SCHB and VTI has been stable across timeframes, ranging from 1.00 to 1.00 - a consistent structural relationship.

SCHB vs. VTI - Sectors Allocation Comparison

Sectors	SCHB	VTI
Technology	35.8%	36.1%
Financial Services	11.9%	11.8%
Industrials	9.8%	10.2%
Healthcare	9.6%	9.7%
Consumer Cyclical	9.6%	9.4%
Communication Services	9.2%	9.1%
Consumer Defensive	4.4%	4.3%
Energy	3.2%	3.2%
Real Estate	2.4%	2.3%
Utilities	2.2%	2.2%
Basic Materials	1.9%	1.9%

Return for Risk

SCHB vs. VTI — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

SCHB

SCHB Risk / Return Rank: 67
SCHB Sharpe Ratio Rank: 67
SCHB Sortino Ratio Rank: 63
SCHB Omega Ratio Rank: 64
SCHB Calmar Ratio Rank: 64
SCHB Martin Ratio Rank: 76

VTI

VTI Risk / Return Rank: 67
VTI Sharpe Ratio Rank: 67
VTI Sortino Ratio Rank: 64
VTI Omega Ratio Rank: 64
VTI Calmar Ratio Rank: 65
VTI Martin Ratio Rank: 77

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

SCHB vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab U.S. Broad Market ETF (SCHB) and Vanguard Total Stock Market ETF (VTI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	SCHB	VTI	Difference
Sharpe ratio: Return per unit of total volatility	1.51	1.52	-0.01
Sortino ratio: Return per unit of downside risk	2.11	2.12	-0.01
Omega ratio: Gain probability vs. loss probability	1.27	1.27	0.00
Calmar ratio: Return relative to maximum drawdown	2.22	2.23	-0.01
Martin ratio: Return relative to average drawdown	9.54	9.62	-0.08

SCHB vs. VTI - Sharpe Ratio Comparison

The current SCHB Sharpe Ratio is 1.51, which is comparable to the VTI Sharpe Ratio of 1.52. The chart below compares the historical Sharpe Ratios of SCHB and VTI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

SCHB vs. VTI - Drawdown Comparison

The maximum SCHB drawdown since its inception was -35.27%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for SCHB and VTI.

Drawdown Indicators

	SCHB	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-35.27%	-55.45%	+20.18%
Max Drawdown (1Y) Largest decline over 1 year	-8.91%	-8.92%	+0.01%
Max Drawdown (3Y) Largest decline over 3 years	-19.34%	-19.30%	-0.04%
Max Drawdown (5Y) Largest decline over 5 years	-25.41%	-25.36%	-0.05%
Max Drawdown (10Y) Largest decline over 10 years	-35.27%	-35.00%	-0.27%
Current Drawdown Current decline from peak	-1.34%	-1.36%	+0.02%
Average Drawdown Average peak-to-trough decline	-4.09%	-7.99%	+3.90%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.08%	2.07%	+0.01%

Volatility

SCHB vs. VTI - Volatility Comparison

Schwab U.S. Broad Market ETF (SCHB) and Vanguard Total Stock Market ETF (VTI) have volatilities of 3.48% and 3.46%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SCHB	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.48%	3.46%	+0.02%
Volatility (6M) Calculated over the trailing 6-month period	10.28%	10.24%	+0.04%
Volatility (1Y) Calculated over the trailing 1-year period	13.12%	13.10%	+0.02%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	17.36%	17.51%	-0.15%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	18.32%	18.30%	+0.02%

SCHB vs. VTI - Expense Ratio Comparison

Both SCHB and VTI have an expense ratio of 0.03%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.

Dividends

SCHB vs. VTI - Dividend Comparison

SCHB's dividend yield for the trailing twelve months is around 1.04%, less than VTI's 1.06% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SCHB Schwab U.S. Broad Market ETF	1.04%	1.11%	1.24%	1.40%	1.61%	1.21%	1.63%	1.80%	2.00%	1.65%	1.86%	2.00%
VTI Vanguard Total Stock Market ETF	1.06%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both SCHB and VTI in my portfolio?

With a correlation of 1.00, SCHB and VTI move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, SCHB or VTI?

SCHB has higher volatility (3.48%) compared to VTI (3.46%). In terms of maximum drawdown, SCHB dropped -35.27% vs VTI's -55.45%.

Which ETF is better, SCHB or VTI?

On 10-year performance, VTI leads with 14.63% vs 14.63% for SCHB. Both ETFs have the same 0.03% expense ratio. Their volatility is very similar. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, SCHB or VTI?

Over the 10-year period, VTI has performed better with a 14.63% return vs 14.63%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, SCHB or VTI?

SCHB and VTI have the same expense ratio: 0.03% per year.

Which ETF pays a higher dividend yield, SCHB or VTI?

VTI has the higher dividend yield at 1.06%, compared with 1.04% for SCHB.

What is the main difference between SCHB and VTI?

SCHB tracks Dow Jones U.S. Broad Stock Market Index, while VTI tracks CRSP US Total Market Index. They also come from different issuers: Charles Schwab and Vanguard.

Which has better risk-adjusted returns?

VTI currently has the higher Sharpe Ratio (1.52 vs 1.51), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.