SWISX vs. VTIAX

Last updated Aug 2, 2026

SWISX (Schwab International Index Fund) and VTIAX (Vanguard Total International Stock Index Fund Admiral Shares) are both Foreign Large Cap Equities funds - SWISX tracks the MSCI EAFE Index (Net) while VTIAX tracks the FTSE Global All Cap ex US Index. Both are passively managed. Over the past 10 years, SWISX returned 9.58%/yr vs 9.37%/yr for VTIAX. Their 0.97 correlation means they have historically moved very closely together. SWISX charges 0.06%/yr vs 0.09%/yr for VTIAX.

Performance

SWISX vs. VTIAX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab International Index Fund (SWISX) and Vanguard Total International Stock Index Fund Admiral Shares (VTIAX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both investments are quite close, with SWISX having a 12.67% return and VTIAX slightly higher at 12.79%. Both investments have delivered pretty close results over the past 10 years, with SWISX having a 9.58% annualized return and VTIAX not far behind at 9.37%.

SWISX

• 1D: 2.76%
• 1M: 2.05%
• 6M: 7.22%
• YTD: 12.67%
• 1Y: 26.17%
• 3Y*: 16.36%
• 5Y*: 9.49%
• 10Y*: 9.58%
• ALL TIME*: 5.90%

VTIAX

• 1D: 2.76%
• 1M: 0.11%
• 6M: 6.66%
• YTD: 12.79%
• 1Y: 27.69%
• 3Y*: 16.78%
• 5Y*: 8.80%
• 10Y*: 9.37%
• ALL TIME*: 6.96%

*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)
SWISX Schwab International Index Fund	$0.00	$0.00	$0.00
VTIAX Vanguard Total International Stock Index Fund Admiral Shares	$0.00	$0.00	$0.00

SWISX vs. VTIAX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
SWISX Schwab International Index Fund	12.67%	31.59%	3.54%	18.13%	-14.30%	11.25%	8.14%	21.87%	-13.38%	25.32%
VTIAX Vanguard Total International Stock Index Fund Admiral Shares	12.79%	32.18%	5.34%	15.28%	-16.02%	8.59%	11.27%	21.52%	-14.46%	27.54%

Correlation

The correlation between SWISX and VTIAX is 0.94, meaning they have usually moved in the same direction, including during past declines.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.94
Correlation (3Y) Balances recent behavior with more history.	0.95
Correlation (5Y) Shows whether the relationship held over a longer period.	0.96
Correlation (10Y) Provides a long-term view across more market conditions.	0.96
Correlation (All Time) Calculated using the full available price history since Nov 29, 2010	0.97

The correlation between SWISX and VTIAX has been stable across timeframes, ranging from 0.94 to 0.97 - a consistent structural relationship.

SWISX vs. VTIAX - Sectors Allocation Comparison

Sectors	SWISX	VTIAX
Financial Services	24.5%	24.2%
Industrials	19.3%	13.8%
Technology	13.3%	25.6%
Healthcare	9.1%	6.9%
Consumer Cyclical	7.6%	6.4%
Consumer Defensive	6.9%	4.6%
Basic Materials	5.9%	5.9%
Communication Services	4.5%	3.9%
Utilities	3.8%	2.6%
Energy	3.4%	4.4%
Real Estate	1.7%	0.9%

Return for Risk

SWISX vs. VTIAX — Risk / Return Rank

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

SWISX

SWISX Risk / Return Rank: 69
SWISX Sharpe Ratio Rank: 70
SWISX Sortino Ratio Rank: 68
SWISX Omega Ratio Rank: 67
SWISX Calmar Ratio Rank: 70
SWISX Martin Ratio Rank: 70

VTIAX

VTIAX Risk / Return Rank: 72
VTIAX Sharpe Ratio Rank: 73
VTIAX Sortino Ratio Rank: 69
VTIAX Omega Ratio Rank: 72
VTIAX Calmar Ratio Rank: 74
VTIAX Martin Ratio Rank: 74

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.

SWISX vs. VTIAX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab International Index Fund (SWISX) and Vanguard Total International Stock Index Fund Admiral Shares (VTIAX). 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.

	SWISX	VTIAX	Difference
Sharpe ratio: Return per unit of total volatility	1.57	1.65	-0.07
Sortino ratio: Return per unit of downside risk	2.25	2.27	-0.03
Omega ratio: Gain probability vs. loss probability	1.28	1.30	-0.02
Calmar ratio: Return relative to maximum drawdown	2.19	2.33	-0.14
Martin ratio: Return relative to average drawdown	8.31	8.64	-0.34

SWISX vs. VTIAX - Sharpe Ratio Comparison

The current SWISX Sharpe Ratio is 1.57, which is comparable to the VTIAX Sharpe Ratio of 1.65. The chart below compares the historical Sharpe Ratios of SWISX and VTIAX, 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

SWISX vs. VTIAX - Drawdown Comparison

The maximum SWISX drawdown since its inception was -60.65%, which is greater than VTIAX's maximum drawdown of -35.83%. Use the drawdown chart below to compare losses from any high point for SWISX and VTIAX.

Drawdown Indicators

	SWISX	VTIAX	Difference
Max Drawdown Largest peak-to-trough decline	-60.65%	-35.83%	-24.82%
Max Drawdown (1Y) Largest decline over 1 year	-11.39%	-11.28%	-0.11%
Max Drawdown (3Y) Largest decline over 3 years	-13.68%	-13.13%	-0.55%
Max Drawdown (5Y) Largest decline over 5 years	-29.42%	-29.52%	+0.10%
Max Drawdown (10Y) Largest decline over 10 years	-33.83%	-35.83%	+2.00%
Current Drawdown Current decline from peak	0.00%	-2.61%	+2.61%
Average Drawdown Average peak-to-trough decline	-14.73%	-8.02%	-6.71%
Ulcer Index Depth and duration of drawdowns from previous peaks	3.00%	3.03%	-0.03%

Volatility

SWISX vs. VTIAX - Volatility Comparison

The current volatility for Schwab International Index Fund (SWISX) is 4.74%, while Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) has a volatility of 5.45%. This indicates that SWISX experiences smaller price fluctuations and is considered to be less risky than VTIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SWISX	VTIAX	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.74%	5.45%	-0.71%
Volatility (6M) Calculated over the trailing 6-month period	13.54%	14.12%	-0.58%
Volatility (1Y) Calculated over the trailing 1-year period	15.90%	15.98%	-0.08%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	16.43%	15.37%	+1.06%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.63%	15.82%	+0.81%

SWISX vs. VTIAX - Expense Ratio Comparison

SWISX has a 0.06% expense ratio, which is lower than VTIAX's 0.09% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

SWISX vs. VTIAX - Dividend Comparison

SWISX's dividend yield for the trailing twelve months is around 3.15%, more than VTIAX's 2.55% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SWISX Schwab International Index Fund	3.15%	3.55%	3.29%	3.31%	2.73%	3.34%	1.88%	3.09%	3.15%	2.71%	3.19%	2.71%
VTIAX Vanguard Total International Stock Index Fund Admiral Shares	2.55%	3.15%	3.33%	3.22%	3.04%	3.05%	2.10%	3.04%	3.16%	2.73%	2.93%	2.84%

Frequently Asked Questions

Can I hold both SWISX and VTIAX in my portfolio?

With a correlation of 0.94, SWISX and VTIAX 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, SWISX or VTIAX?

VTIAX has higher volatility (5.45%) compared to SWISX (4.74%). In terms of maximum drawdown, SWISX dropped -60.65% vs VTIAX's -35.83%.

Which has better risk-adjusted returns?

VTIAX currently has the higher Sharpe Ratio (1.65 vs 1.57), 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.