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VTI vs. SCHK
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VTI vs. SCHK

Last updated Jun 21, 2026

VTI (Vanguard Total Stock Market ETF) and SCHK (Schwab 1000 Index ETF) are both Large Cap Blend Equities funds - VTI tracks the CRSP US Total Market Index while SCHK tracks the Schwab 1000 Index. Both are passively managed. Over the past 5 years, VTI returned 12.86%/yr vs 13.28%/yr for SCHK. With a 1.00 correlation, they move nearly in lockstep. Both charge a 0.03% expense ratio.

Performance

VTI vs. SCHK - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Total Stock Market ETF (VTI) and Schwab 1000 Index ETF (SCHK). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

The year-to-date returns for both stocks are quite close, with VTI having a 10.70% return and SCHK slightly lower at 10.46%.

VTI

1D
1.16%
1M
1.34%
YTD
10.70%
6M
10.70%
1Y
27.58%
3Y*
20.67%
5Y*
12.86%
10Y*
15.07%

SCHK

1D
1.09%
1M
1.23%
YTD
10.46%
6M
10.53%
1Y
27.01%
3Y*
20.84%
5Y*
13.28%
10Y*
—
*Multi-year figures are annualized to reflect compound growth (CAGR)

VTI vs. SCHK - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VTI
Vanguard Total Stock Market ETF		10.70%17.10%23.81%26.05%-19.52%25.68%21.08%30.67%-5.23%5.09%
SCHK
Schwab 1000 Index ETF		10.46%17.23%24.48%26.63%-19.51%26.17%20.75%31.31%-5.09%5.24%

Correlation

The correlation between VTI and SCHK is 1.00 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

1.00

Correlation (3Y)
Calculated over the trailing 3-year period

1.00

Correlation (5Y)
Calculated over the trailing 5-year period

1.00

Correlation (All Time)
Calculated using the full available price history since Oct 11, 2017

1.00

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

VTI vs. SCHK - Sectors Allocation Comparison

Sectors
VTI
SCHK

Technology

37.0%
38.0%

Financial Services

11.3%
11.2%

Communication Services

9.8%
10.1%

Consumer Cyclical

9.7%
9.8%

Industrials

9.4%
8.9%

Healthcare

9.0%
8.4%

Consumer Defensive

4.3%
4.3%

Energy

3.3%
3.2%

Real Estate

2.3%
2.0%

Utilities

2.1%
2.1%

Basic Materials

1.9%
1.9%

Technology

VTI
37.0%
SCHK
38.0%

Financial Services

VTI
11.3%
SCHK
11.2%

Communication Services

VTI
9.8%
SCHK
10.1%

Consumer Cyclical

VTI
9.7%
SCHK
9.8%

Industrials

VTI
9.4%
SCHK
8.9%

Healthcare

VTI
9.0%
SCHK
8.4%

Consumer Defensive

VTI
4.3%
SCHK
4.3%

Energy

VTI
3.3%
SCHK
3.2%

Real Estate

VTI
2.3%
SCHK
2.0%

Utilities

VTI
2.1%
SCHK
2.1%

Basic Materials

VTI
1.9%
SCHK
1.9%

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.

Vanguard Total Stock Market ETF

Schwab 1000 Index ETF

Often compared with VTI:
VTI vs. VOOVTI vs. VXUSVTI vs. SPYVTI vs. VTVTI vs. SCHDVTI vs. FZROXVTI vs. QQQ
Often compared with SCHK:
SCHK vs. SCHBSCHK vs. VOOSCHK vs. SCHXSCHK vs. SCHGSCHK vs. VONGSCHK vs. SCHDSCHK vs. FNDX

Return for Risk

VTI vs. SCHK — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VTI
VTI Risk / Return Rank: 6969
Overall Rank
VTI Sharpe Ratio Rank: 7070
Sharpe Ratio Rank
VTI Sortino Ratio Rank: 6767
Sortino Ratio Rank
VTI Omega Ratio Rank: 6969
Omega Ratio Rank
VTI Calmar Ratio Rank: 6565
Calmar Ratio Rank
VTI Martin Ratio Rank: 7676
Martin Ratio Rank
SCHK
SCHK Risk / Return Rank: 6868
Overall Rank
SCHK Sharpe Ratio Rank: 6969
Sharpe Ratio Rank
SCHK Sortino Ratio Rank: 6666
Sortino Ratio Rank
SCHK Omega Ratio Rank: 6868
Omega Ratio Rank
SCHK Calmar Ratio Rank: 6363
Calmar Ratio Rank
SCHK Martin Ratio Rank: 7474
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

VTI vs. SCHK - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Total Stock Market ETF (VTI) and Schwab 1000 Index ETF (SCHK). 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.

VTISCHKDifference
Sharpe ratioReturn per unit of total volatility
2.15
2.11

+0.04

Sortino ratioReturn per unit of downside risk
2.91
2.86

+0.05

Omega ratioGain probability vs. loss probability

1.39

1.38

+0.01

Calmar ratioReturn relative to maximum drawdown

3.07

3.00

+0.07

Martin ratioReturn relative to average drawdown

13.75

13.44

+0.31

VTI vs. SCHK - Sharpe Ratio Comparison

The current VTI Sharpe Ratio is 2.15, which is comparable to the SCHK Sharpe Ratio of 2.11. The chart below compares the historical Sharpe Ratios of VTI and SCHK, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Drawdowns

VTI vs. SCHK - Drawdown Comparison

The maximum VTI drawdown since its inception was -55.45%, which is greater than SCHK's maximum drawdown of -34.80%. Use the drawdown chart below to compare losses from any high point for VTI and SCHK.

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Drawdown Indicators

VTISCHKDifference

Max Drawdown

Largest peak-to-trough decline

-55.45%

-34.80%

-20.65%

Max Drawdown (1Y)

Largest decline over 1 year

-8.92%

-8.97%

+0.05%

Max Drawdown (3Y)

Largest decline over 3 years

-19.30%

-19.21%

-0.09%

Max Drawdown (5Y)

Largest decline over 5 years

-25.36%

-25.44%

+0.08%

Max Drawdown (10Y)

Largest decline over 10 years

-35.00%

—

—

Current Drawdown

Current decline from peak

-1.17%

-1.26%

+0.09%

Average Drawdown

Average peak-to-trough decline

-8.01%

-5.16%

-2.85%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.99%

2.00%

-0.01%

Volatility

VTI vs. SCHK - Volatility Comparison

Vanguard Total Stock Market ETF (VTI) and Schwab 1000 Index ETF (SCHK) have volatilities of 4.84% and 4.84%, 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.

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Volatility by Period

VTISCHKDifference

Volatility (1M)

Calculated over the trailing 1-month period

4.84%

4.84%

0.00%

Volatility (6M)

Calculated over the trailing 6-month period

10.03%

10.07%

-0.04%

Volatility (1Y)

Calculated over the trailing 1-year period

12.74%

12.74%

0.00%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

17.50%

17.33%

+0.17%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

18.35%

19.12%

-0.77%

VTI vs. SCHK - Expense Ratio Comparison

Both VTI and SCHK 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

VTI vs. SCHK - Dividend Comparison

VTI's dividend yield for the trailing twelve months is around 1.02%, which matches SCHK's 1.01% yield.

PositionTTM20252024202320222021202020192018201720162015
SCHK
Schwab 1000 Index ETF		1.01%1.09%1.20%1.38%1.57%1.17%1.58%1.82%1.80%0.31%0.00%0.00%
VTI
Vanguard Total Stock Market ETF		1.02%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

With a correlation of 1.00, VTI and SCHK 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.

SCHK has higher volatility (4.84%) compared to VTI (4.84%). In terms of maximum drawdown, VTI dropped -55.45% vs SCHK's -34.80%.

On 5-year performance, SCHK leads with 13.28% vs 12.86% for VTI. 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.

Over the 5-year period, SCHK has performed better with a 13.28% return vs 12.86%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

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

VTI has the higher dividend yield at 1.02%, compared with 1.01% for SCHK.

VTI tracks CRSP US Total Market Index, while SCHK tracks Schwab 1000 Index. They also come from different issuers: Vanguard and Charles Schwab.

VTI currently has the higher Sharpe Ratio (2.15 vs 2.11), 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.

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