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VTI vs. SWTSX
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VTI vs. SWTSX

Last updated Jun 5, 2026

VTI (Vanguard Total Stock Market ETF) and SWTSX (Schwab Total Stock Market Index Fund) are both Large Cap Blend Equities funds - VTI tracks the CRSP US Total Market Index while SWTSX tracks the Dow Jones U.S. Total Stock Market Index. Both are passively managed. Over the past 10 years, VTI returned 15.04%/yr vs 14.99%/yr for SWTSX. With a 0.99 correlation, they move nearly in lockstep. Both charge a 0.03% expense ratio.

Performance

VTI vs. SWTSX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Total Stock Market ETF (VTI) and Schwab Total Stock Market Index Fund (SWTSX). 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 11.72% return and SWTSX slightly lower at 11.17%. Both investments have delivered pretty close results over the past 10 years, with VTI having a 15.04% annualized return and SWTSX not far behind at 14.99%.

VTI

1D
0.47%
1M
4.59%
YTD
11.72%
6M
11.43%
1Y
28.79%
3Y*
22.37%
5Y*
12.80%
10Y*
15.04%

SWTSX

1D
-0.76%
1M
4.05%
YTD
11.17%
6M
10.89%
1Y
28.05%
3Y*
22.05%
5Y*
12.67%
10Y*
14.99%
*Multi-year figures are annualized to reflect compound growth (CAGR)

VTI vs. SWTSX - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VTI
Vanguard Total Stock Market ETF		11.72%17.10%23.81%26.05%-19.52%25.68%21.08%30.67%-5.23%21.21%
SWTSX
Schwab Total Stock Market Index Fund		11.17%17.04%23.84%26.05%-19.54%25.65%20.71%30.90%-5.35%21.08%

Correlation

The correlation between VTI and SWTSX 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

0.99

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

0.99

Correlation (10Y)
Calculated over the trailing 10-year period

0.99

Correlation (All Time)
Calculated using the full available price history since Jun 1, 2001

0.99

The correlation between VTI and SWTSX has been stable across timeframes, ranging from 0.99 to 1.00 - a consistent structural relationship.

VTI vs. SWTSX - Sectors Allocation Comparison

Sectors
VTI
SWTSX

Technology

33.5%
33.8%

Financial Services

12.0%
12.1%

Communication Services

10.3%
10.3%

Consumer Cyclical

10.0%
10.1%

Industrials

9.8%
9.6%

Healthcare

9.2%
9.1%

Consumer Defensive

4.7%
4.7%

Energy

3.7%
3.7%

Real Estate

2.4%
2.4%

Utilities

2.3%
2.3%

Basic Materials

2.0%
2.1%

Technology

VTI
33.5%
SWTSX
33.8%

Financial Services

VTI
12.0%
SWTSX
12.1%

Communication Services

VTI
10.3%
SWTSX
10.3%

Consumer Cyclical

VTI
10.0%
SWTSX
10.1%

Industrials

VTI
9.8%
SWTSX
9.6%

Healthcare

VTI
9.2%
SWTSX
9.1%

Consumer Defensive

VTI
4.7%
SWTSX
4.7%

Energy

VTI
3.7%
SWTSX
3.7%

Real Estate

VTI
2.4%
SWTSX
2.4%

Utilities

VTI
2.3%
SWTSX
2.3%

Basic Materials

VTI
2.0%
SWTSX
2.1%

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 Total Stock Market Index Fund

Often compared with VTI:
VTI vs. VOOVTI vs. VXUSVTI vs. SPYVTI vs. VTVTI vs. SCHDVTI vs. FZROXVTI vs. QQQ
Often compared with SWTSX:
SWTSX vs. SWPPXSWTSX vs. VTSAXSWTSX vs. SCHBSWTSX vs. SWISXSWTSX vs. SWLGXSWTSX vs. SCHDSWTSX vs. SPY

Return for Risk

VTI vs. SWTSX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VTI
VTI Risk / Return Rank: 7373
Overall Rank
VTI Sharpe Ratio Rank: 7474
Sharpe Ratio Rank
VTI Sortino Ratio Rank: 7373
Sortino Ratio Rank
VTI Omega Ratio Rank: 7373
Omega Ratio Rank
VTI Calmar Ratio Rank: 6666
Calmar Ratio Rank
VTI Martin Ratio Rank: 7878
Martin Ratio Rank
SWTSX
SWTSX Risk / Return Rank: 6363
Overall Rank
SWTSX Sharpe Ratio Rank: 6060
Sharpe Ratio Rank
SWTSX Sortino Ratio Rank: 5555
Sortino Ratio Rank
SWTSX Omega Ratio Rank: 5555
Omega Ratio Rank
SWTSX Calmar Ratio Rank: 6868
Calmar Ratio Rank
SWTSX Martin Ratio Rank: 7878
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. SWTSX - Risk-Adjusted Trends Comparison

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

VTISWTSXDifference
Sharpe ratioReturn per unit of total volatility
2.38
2.30

+0.08

Sortino ratioReturn per unit of downside risk
3.24
3.14

+0.10

Omega ratioGain probability vs. loss probability

1.43

1.41

+0.01

Calmar ratioReturn relative to maximum drawdown

3.24

3.17

+0.07

Martin ratioReturn relative to average drawdown

14.94

14.55

+0.39

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

VTI vs. SWTSX - Sharpe Ratio Comparison

The current VTI Sharpe Ratio is 2.38, which is comparable to the SWTSX Sharpe Ratio of 2.30. The chart below compares the historical Sharpe Ratios of VTI and SWTSX, 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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Sharpe Ratios by Period

VTISWTSXDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

2.38

2.30

+0.08

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.74

0.73

+0.01

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.82

0.81

+0.02

Sharpe Ratio (All Time)

Calculated using the full available price history

0.51

0.44

+0.07

Drawdowns

VTI vs. SWTSX - Drawdown Comparison

The maximum VTI drawdown since its inception was -55.45%, roughly equal to the maximum SWTSX drawdown of -54.60%. Use the drawdown chart below to compare losses from any high point for VTI and SWTSX.

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Drawdown Indicators

VTISWTSXDifference

Max Drawdown

Largest peak-to-trough decline

-55.45%

-54.60%

-0.85%

Max Drawdown (1Y)

Largest decline over 1 year

-8.92%

-8.88%

-0.04%

Max Drawdown (3Y)

Largest decline over 3 years

-19.30%

-19.43%

+0.13%

Max Drawdown (5Y)

Largest decline over 5 years

-25.36%

-25.40%

+0.04%

Max Drawdown (10Y)

Largest decline over 10 years

-35.00%

-35.01%

+0.01%

Current Drawdown

Current decline from peak

-0.26%

-0.76%

+0.50%

Average Drawdown

Average peak-to-trough decline

-8.03%

-10.57%

+2.54%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.93%

1.93%

0.00%

Volatility

VTI vs. SWTSX - Volatility Comparison

The current volatility for Vanguard Total Stock Market ETF (VTI) is 2.90%, while Schwab Total Stock Market Index Fund (SWTSX) has a volatility of 3.07%. This indicates that VTI experiences smaller price fluctuations and is considered to be less risky than SWTSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

VTISWTSXDifference

Volatility (1M)

Calculated over the trailing 1-month period

2.90%

3.07%

-0.17%

Volatility (6M)

Calculated over the trailing 6-month period

9.13%

9.23%

-0.10%

Volatility (1Y)

Calculated over the trailing 1-year period

12.17%

12.29%

-0.12%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

17.40%

17.44%

-0.04%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

18.30%

18.61%

-0.31%

VTI vs. SWTSX - Expense Ratio Comparison

Both VTI and SWTSX 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. SWTSX - Dividend Comparison

VTI's dividend yield for the trailing twelve months is around 1.01%, more than SWTSX's 0.99% yield.

PositionTTM20252024202320222021202020192018201720162015
SWTSX
Schwab Total Stock Market Index Fund		0.99%1.10%1.24%1.41%1.62%1.46%1.63%1.92%2.58%1.83%2.32%2.79%
VTI
Vanguard Total Stock Market ETF		1.01%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 SWTSX 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.

SWTSX has higher volatility (3.07%) compared to VTI (2.90%). In terms of maximum drawdown, VTI dropped -55.45% vs SWTSX's -54.60%.

VTI currently has the higher Sharpe Ratio (2.38 vs 2.30), 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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