SCHB vs VTI: Grades, Fees and Holdings Compared

Schwab U.S. Broad Market ETF

SCHBANYSE Arca

Vanguard Morningstar Total Stock Market ETF

VTIANYSE Arca

Overlap

92.4%by weight

Expense ratio

SCHB0.03%VTI0.03%

Avg volume · 30D

SCHB 3.0×the volume

SCHB9.59MVTI3.19M

10Y return · a year

VTI +0.9pt

SCHB+13.7%VTI+14.6%

SCHB vs VTI Performance

Nov 9, 2021 – Nov 9, 2026

+64.5%SCHB+64.3%VTI

Expense ratio: SCHB 0.03%; VTI 0.03%
Fund size: SCHB $43.2B; VTI $689B
1Y total return: SCHB +13.5%; VTI +13.7%, better
Yield (12M): SCHB 1.06%; VTI 1.06%
Holdings: SCHB 2413; VTI 3514
Avg volume (30D): SCHB 9.59M sh, better; VTI 3.19M sh
NAV per share: SCHB $28.30; VTI $361.87
52W range

ETF.net Grade

Pillar letters and Scores for SCHB, VTI, with each pillar’s weight
Pillar	SCHB	VTI
Cost30% weight	A75	A75
Mission25% weight	A99	A100Higher
Risk15% weight	C48	C48
Tradability15% weight	A70Higher	B59
Holdings10% weight	A73Higher	C54
Durability5% weight	B69	A85Higher

Rank among Total US Market funds

How we build Categories ›

Same Category. SCHB and VTI are both graded against the same 10 Total US Market funds, so their Grades compare head to head.

Total US Market⁠

Category · 10 funds

See all 10 ›

SCHB ranks 2nd and VTI 3rd of 10 funds in the Total US Market Category.

Rank 1AITOTiShares Core S&P Total U.S. Stock Market ETFScore 78
Rank 2ASCHBSchwab U.S. Broad Market ETFScore 75
Rank 3ASPTMState Street SPDR Portfolio S&P 1500 Composite Stock Market ETFScore 73
Rank 3AVTIVanguard Morningstar Total Stock Market ETFScore 73
Rank 5BBBUSJPMorgan BetaBuilders U.S. Equity ETFScore 69

Our read on each fund

ETF.net Research

SCHBASchwab U.S. Broad Market ETF

VTIAVanguard Morningstar Total Stock Market ETF

In short

SCHB Schwab's one-ticket slice of nearly the whole US market: roughly 2,400 stocks for 0.03% a year, half the typical fee among total-market rivals. Running since 2009, with one of the tightest index-tracking records in its peer group.

VTI The whole US stock market in one ticker: roughly 3,600 names, from mega caps down to micro caps, for three basis points. Vanguard has run this portfolio in ETF form since 2001, and it's grown into one of the largest funds anywhere.

Stated mandate

SCHB The fund seeks to track, before fees and expenses, the total return of the Dow Jones U.S. Broad Stock Market Index.

VTI The fund aims to replicate the performance of a benchmark index that covers the entire U.S. stock market.

Why people hold it

SCHB 0.03% a year, half the 0.06% median for its total-market cohort. Three dollars a year per $10,000 invested.
Tracks the Dow Jones U.S. Broad Stock Market Index tightly, among the closest index replication in its peer group.schwabassetmanagement.com
A multi-billion-dollar fund and one of the most actively traded in its category, which usually means narrow bid-ask spreads for buyers and sellers.
Live since 2009, with a quarterly dividend cadence and roughly 2,400 holdings behind it.

VTI Costs 0.03% a year, half the 0.06% typical for its total-market peers.
About 3,600 holdings, so the small and micro caps an S&P 500 fund leaves out are already in the mix.vanguard.com
Tracks its total-market benchmark very closely and trades heavily, and it sits among the strongest implementations in its peer group.
The ETF is a share class of Vanguard's Total Stock Market Index Fund, sharing one portfolio with the mutual fund rather than running a separate copy.sec.gov

Worth knowing

SCHB Not the cheapest ticket in the cohort: BBUS charges 0.02%. At these levels the gap is pennies, but it exists.
Broad, not exhaustive. Roughly 2,400 stocks covers the bulk of the US market rather than every listed company.
Pure equity exposure with no hedge or buffer, so it moves with the full US market in both directions.

VTI Market-cap weighted, so the biggest US companies drive the result and the thousands of small names at the bottom carry little weight.vanguard.com
All US, by design. Nothing outside the country comes with it.
ITOT and SCHB match the 0.03% fee and BBUS runs 0.02%, so rivals deliver similar whole-market exposure for the same or less.

Full SCHB profile⁠

Full VTI profile⁠

SCHB vs VTI Holdings

How SCHB and VTI differ

Overlap by weight

92.4%

Shared holdings make up 99.5% of SCHB and 99.1% of VTI.

Level by level

Holdings2,352 in both92.4%
Sector11 Sectors95.6%
Countryby domicile99.4%
Asset classStocks100%

Sector

Sector weights in SCHB and VTI, widest gap first
Sector	Gap	SCHB	VTI
Technology	VTI +3.3 points	34.8%	38.1%
Financials	SCHB +1.2 points	12.7%	11.5%
Communication	VTI +1.0 points	8.2%	9.2%
Health Care	SCHB +1.0 points	11.0%	10.0%
Consumer Discretionary	SCHB +1.0 points	9.7%	8.7%
Consumer Staples	SCHB +0.6 points	4.8%	4.2%
Utilities	SCHB +0.2 points	2.1%	1.9%
Real Estate	SCHB +0.1 points	2.3%	2.2%
Energy	SCHB +0.1 points	3.7%	3.6%
Materials	SCHB +0.1 points	1.9%	1.8%
Industrials	VTI +0.1 points	8.7%	8.8%

Country, concentration and asset class

Country by domicile

Country weights in SCHB and VTI, widest gap first
Country	More in SCHBMore in VTI	Gap	SCHB	VTI
United States		VTI +0.6 points	99.4%	100.0%
Other countries (8)		SCHB +0.6 points	0.6%	0.0%

Concentration

Weight in the 10 largest Holdings

SCHB33.6%
VTI34.6%

Securities held

SCHB2,412
VTI3,501

Asset class

SCHB: Stocks
VTI: Stocks

Holdings

Only in SCHB60
In both2,352
Only in VTI1,149

Only in SCHB

60 securities, 0.5% of SCHB by weight

Nxp Semiconductors NV0.09%
Vylor0.07%
Ssc Government Mm Gvmxx0.04%
Royalty Pharma PLC Class A0.04%
Coupang Class A0.03%
Amrize AG0.03%
Amcor PLC0.03%
Moog Inc Class A0.01%
Autoliv0.01%
U Haul Non Voting Series N<0.01%
Msg Knickerbockers Class A<0.01%
Livanova PLC<0.01%
Crispr Therapeutics AG<0.01%
Minimed Group Inc<0.01%
Definium Therapeutics Inc<0.01%
Octave Intelligence PLC Class B<0.01%
Garrett Motion<0.01%
Kulicke and Soffa Industries Inc<0.01%
Onespaworld Holdings Ltd<0.01%
Liberty Global Ltd Class C<0.01%
Ubiquiti<0.01%
Msg Rangers Class A<0.01%
Biohaven<0.01%
Solaredge Technologies<0.01%
Hyperliquid Strategies Inc<0.01%
Dorian Lpg<0.01%
Gigacloud Technology Inc Class A<0.01%
Uniqure<0.01%
National Energy Services Reunited<0.01%
Liberty Latin America Class C<0.01%
Sharplink Inc<0.01%
Adient PLC<0.01%
Damora Therapeutics Inc<0.01%
Kosmos Energy<0.01%
Tecnoglass Holdings<0.01%
Uranium Royalty Corp<0.01%
Genco Shipping and Trading<0.01%
Mobileye Global Inc Class A<0.01%
Securitize Corp<0.01%
Smithfield Foods<0.01%
Mcewen Inc<0.01%
Cna Financial Corp<0.01%
Clarivate PLC<0.01%
Diversified Energy Company<0.01%
Twenty One Capital Inc Class A<0.01%
Sempreon Inc<0.01%
Mccormick & Co Voting<0.01%
Freenome<0.01%
Anteris Technologies Global Corp<0.01%
Wave Life Sciences<0.01%

Only in VTI

1,149 securities, 0.9% of VTI by weight

SLCMT11420.21%
Warner Bros Discovery Inc0.10%
Waste Connections Inc0.05%
Kenvue Inc0.05%
Berkshire Hathaway Inc0.04%
HEICO Corp0.03%
TRS:GOLDMAN SACHS GROUP INC USD 2027-Aug-310.03%
Moog Inc0.01%
JFrog Ltd0.01%
Qorvo Inc0.01%
Arcosa Inc<0.01%
Madison Square Garden Sports Corp<0.01%
Fox Corp<0.01%
TRS:PAYPAL HOLDINGS INC USD 2026-Aug-31<0.01%
U-Haul Holding Co<0.01%
Pershing Square Inc<0.01%
Indivior Pharmaceuticals Inc<0.01%
Kilroy Realty Corp<0.01%
TRS:CITIGROUP INC USD 2027-Aug-31<0.01%
LXP Industrial Trust<0.01%
Kiniksa Pharmaceuticals International Plc<0.01%
Atkore Inc<0.01%
Howard Hughes Holdings Inc<0.01%
CBIZ Inc<0.01%
Energy Fuels Inc/Canada<0.01%
News Corp<0.01%
Lennar Corp<0.01%
LiveRamp Holdings Inc<0.01%
Liberty Live Holdings Inc<0.01%
Liberty Media Corp<0.01%
BioLife Solutions Inc<0.01%
ACV Auctions Inc<0.01%
E Morn US TM Idx FDec26<0.01%
Innovative Industrial Properties Inc<0.01%
TRS:ELEVANCE HEALTH INC USD 2026-Aug-31<0.01%
i-80 Gold Corp<0.01%
Zymeworks Inc<0.01%
Accelerant Holdings<0.01%
Brown-Forman Corp<0.01%
Rush Enterprises Inc<0.01%
Easterly Government Properties Inc<0.01%
American Assets Trust Inc<0.01%
Zillow Group Inc<0.01%
Apollo Commercial Real Estate Finance Inc<0.01%
Beazer Homes USA Inc<0.01%
TRS:RAYMOND JAMES FINANCIAL INC USD 2026-Aug-31<0.01%
TRS:ELEVANCE HEALTH INC USD 2027-Jan-29<0.01%
U-Haul Holding Co<0.01%
Compass Diversified Holdings<0.01%
Immix Biopharma Inc<0.01%

Weight gaps

The 100 widest of 2,352 Holdings in both funds.

Holding weights in SCHB and VTI, widest gap first
Holding	Gap	SCHB	VTI
NVIDIANVDA	VTI +0.79 points	6.34%	7.13%
Micron TechnologyMU	VTI +0.55 points	1.09%	1.64%
Alphabet Class AGOOGL	VTI +0.41 points	2.35%	2.76%
AppleAAPL	SCHB +0.38 points	7.01%	6.63%
Intel Corporation CorpINTC	VTI +0.35 points	0.39%	0.74%
MicrosoftMSFT	SCHB +0.34 points	5.53%	5.19%
Advanced Micro DevicesAMD	VTI +0.33 points	1.03%	1.36%
Broadcom IncAVGO	VTI +0.32 points	1.96%	2.28%
Meta Platforms Class AMETA	VTI +0.29 points	1.89%	2.18%
Alphabet Class CGOOG	VTI +0.29 points	1.89%	2.18%
Berkshire Hathaway Inc Class BBRK.B	SCHB +0.28 points	1.49%	1.21%
Amazon Com IncAMZN	SCHB +0.27 points	3.57%	3.30%
Lam ResearchLRCX	VTI +0.21 points	0.35%	0.56%
Eli LillyLLY	SCHB +0.18 points	1.52%	1.34%
Applied Material IncAMAT	VTI +0.18 points	0.37%	0.55%
SandiskSNDK	VTI +0.18 points	0.17%	0.35%
Visa Class AV	SCHB +0.18 points	1.01%	0.83%
WalmartWMT	SCHB +0.16 points	0.78%	0.62%
Mastercard Class AMA	SCHB +0.15 points	0.74%	0.59%
Caterpillar IncCAT	VTI +0.15 points	0.36%	0.51%
Marvell TechnologyMRVL	VTI +0.15 points	0.17%	0.32%
Seagate Technology Holdings PLCSTX	VTI +0.13 points	0.15%	0.28%
Space Exploration Technologies CorSPCX	SCHB +0.14 points	0.26%	0.12%
Costco Wholesale CorpCOST	SCHB +0.11 points	0.66%	0.55%
KlaKLAC	VTI +0.10 points	0.25%	0.35%
Home DepotHD	SCHB +0.09 points	0.48%	0.39%
AbbVieABBV	SCHB +0.09 points	0.72%	0.63%
Palo Alto NetworksPANW	VTI +0.08 points	0.36%	0.44%
Western Digital CorpWDC	VTI +0.08 points	0.13%	0.21%
Procter & GamblePG	SCHB +0.08 points	0.54%	0.46%
Dell Technologies Inc Class CDELL	VTI +0.07 points	0.14%	0.21%
Accenture PLC Class AACN	SCHB +0.07 points	0.22%	0.15%
ChevronCVX	SCHB +0.07 points	0.59%	0.52%
Coca-ColaKO	SCHB +0.07 points	0.52%	0.45%
Johnson & JohnsonJNJ	SCHB +0.06 points	0.93%	0.87%
CortevaCTVA	VTI +0.06 points	0.01%	0.07%
Ge VernovaGEV	VTI +0.06 points	0.29%	0.35%
Mcdonalds CorpMCD	SCHB +0.06 points	0.28%	0.22%
Lumentum HoldingsLITE	VTI +0.05 points	0.07%	0.12%
Tesla IncTSLA	SCHB +0.06 points	1.42%	1.36%
FortinetFTNT	VTI +0.05 points	0.10%	0.15%
Kimberly ClarkKMB	SCHB +0.05 points	0.09%	0.04%
JPMorgan ChaseJPM	SCHB +0.05 points	1.25%	1.20%
UnitedHealth GroupUNH	SCHB +0.05 points	0.50%	0.45%
Arista NetworksANET	VTI +0.05 points	0.25%	0.30%
CorningGLW	VTI +0.04 points	0.12%	0.16%
S&P GlobalSPGI	SCHB +0.05 points	0.20%	0.15%
Bank of AmericaBAC	VTI +0.04 points	0.45%	0.49%
Eaton PLCETN	VTI +0.04 points	0.19%	0.23%
Crowdstrike Holdings Class ACRWD	VTI +0.04 points	0.31%	0.35%
International Business Machines CoIBM	SCHB +0.04 points	0.32%	0.28%
Datadog Inc Class ADDOG	VTI +0.05 points	0.08%	0.13%
ServicenowNOW	VTI +0.04 points	0.15%	0.19%
Palantir Technologies Class APLTR	VTI +0.04 points	0.52%	0.56%
Nextera EnergyNEE	SCHB +0.03 points	0.25%	0.22%
Amgen IncAMGN	SCHB +0.04 points	0.35%	0.31%
Gilead SciencesGILD	SCHB +0.04 points	0.29%	0.25%
Mckesson CorpMCK	SCHB +0.03 points	0.17%	0.14%
ModernaMRNA	SCHB +0.04 points	0.13%	0.09%
TeradyneTER	VTI +0.04 points	0.05%	0.09%
Exxonmobil Holdings CorpXOM	SCHB +0.04 points	0.96%	0.92%
BlackRockBLK	SCHB +0.04 points	0.24%	0.20%
Walt DisneyDIS	SCHB +0.03 points	0.28%	0.25%
Lowes Companies IncLOW	SCHB +0.04 points	0.18%	0.14%
Linde PLCLIN	SCHB +0.03 points	0.33%	0.30%
PepsicoPEP	SCHB +0.03 points	0.27%	0.24%
HeicoHEI	SCHB +0.04 points	0.04%	0.01%
Bloom Energy Class ABE	VTI +0.04 points	0.07%	0.11%
Applovin Class AAPP	SCHB +0.04 points	0.15%	0.11%
Astera LabsALAB	VTI +0.04 points	0.04%	0.08%
Abbott LaboratoriesABT	SCHB +0.04 points	0.27%	0.23%
Robinhood Markets Class AHOOD	VTI +0.03 points	0.09%	0.12%
Cloudflare Class ANET	VTI +0.03 points	0.12%	0.15%
StrykerSYK	SCHB +0.03 points	0.16%	0.13%
Comfort Systems UsaFIX	VTI +0.03 points	0.05%	0.08%
Ge AerospaceGE	SCHB +0.03 points	0.47%	0.44%
Automatic Data Processing IncADP	SCHB +0.03 points	0.17%	0.14%
Intuitive SurgicalISRG	SCHB +0.02 points	0.22%	0.20%
IntuitINTU	SCHB +0.03 points	0.13%	0.10%
Vertiv Holdings Class AVRT	VTI +0.03 points	0.10%	0.13%
Philip Morris InternationalPM	SCHB +0.02 points	0.43%	0.41%
American ExpressAXP	SCHB +0.03 points	0.24%	0.21%
Hewlett Packard EnterpriseHPE	VTI +0.03 points	0.08%	0.11%
Wells FargoWFC	SCHB +0.03 points	0.36%	0.33%
ChubbCB	SCHB +0.03 points	0.18%	0.15%
MarshMRSH	SCHB +0.03 points	0.14%	0.11%
Cme Group Class ACME	SCHB +0.02 points	0.15%	0.13%
Amphenol Corp Class AAPH	VTI +0.02 points	0.26%	0.28%
Altria Group IncMO	SCHB +0.03 points	0.18%	0.15%
NetflixNFLX	VTI +0.03 points	0.37%	0.40%
ConocophillipsCOP	SCHB +0.02 points	0.23%	0.20%
Medtronic PLCMDT	SCHB +0.02 points	0.17%	0.15%
CoherentCOHR	VTI +0.03 points	0.05%	0.08%
Marriott International Class AMAR	SCHB +0.02 points	0.12%	0.10%
Starbucks CorpSBUX	SCHB +0.02 points	0.17%	0.15%
Goldman Sachs GroupGS	SCHB +0.02 points	0.35%	0.33%
SouthernSO	SCHB +0.02 points	0.15%	0.13%
Royal Caribbean GroupRCL	SCHB +0.02 points	0.11%	0.09%
Arthur J GallagherAJG	SCHB +0.02 points	0.10%	0.08%
Coreweave Class ACRWV	VTI +0.02 points	0.03%	0.05%

All 2,420 SCHB holdings⁠All 3,519 VTI holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

SCHB vs VTI Cost

Same expense ratio

$638

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

SCHB 0.03%
$638
VTI 0.03%
$638

Amount$10,000

Years30 years

Cost over time

SCHB 0.03%
VTI 0.03%

Year by year

Year	SCHB	VTI
10	$55	$55
20	$216	$216
30	$638	$638

Expense ratio

0.03%SCHB
0.03%VTI

SCHB0.03%VTI0.03%

0.02%0.25%

Middle half of Total US Market funds
Median 0.04%

SCHB 2nd cheapest of 10 funds

VTI 2nd cheapest of 10 funds

SCHB vs VTI Dividends

Last 12 months to Nov 9, 2026

Yield (12M): SCHB 1.06%; VTI 1.06%
Payout (12M): SCHB $0.31; VTI $3.95
Last payment: SCHB $0.08; VTI $0.96
Ex-dividend: SCHB Sep 23, 2026; VTI Sep 28, 2026
Paid on: SCHB Sep 28, 2026; VTI Sep 30, 2026
Frequency: SCHB Quarterly; VTI Quarterly

Distribution history

Per share, 2017 to 2026, same scale for both

SCHBQuarterly · 24 paymentsAll SCHB payments⁠

VTIQuarterly · 39 paymentsAll VTI payments⁠

SCHB vs VTI Risk

Fall from peak · 5 years

SCHB
VTI

Risk facts

VolatilityStd dev, 3 years: SCHB 12.7%VTI 12.7%
Return per unit of riskSharpe ratio, 3 years: SCHB 1.36VTI 1.37, better
Worst fallMax drawdown, 5 years: SCHB −25.4%VTI −25.4%
Market sensitivityBeta, 5 years: SCHB 1.03VTI 1.02; Market = 1

SCHB and VTI in the news

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SCHB vs VTI

In short

Stated mandate

Why people hold it