LIVE
SCHB
Schwab U.S. Broad Market ETF · ETF
$28.97
+2.77% this month
VERSUS
⟷
COMPARE
VTI
Vanguard Total Stock Market ETF · ETF
$369.99
+2.76% this month
Scoreboard verdict
Across expense ratio, momentum, yield, fund size, risk
SCHB
0
VTI
3
Comparison scoreboard
VTI LEADS 3/5Exp. Ratio
SCHB 0.03%
VTI 0.03%
1Y Return
SCHB +27.17%
VTI ✓+27.29%
Div. Yield
SCHB 1.01%
VTI 1.01%
AUM
SCHB $43.31B
VTI ✓$2.31T
Beta
SCHB 1.03
VTI ✓1.03
Metrics last refreshed: 6/20/2026
Quick take
SCHB vs VTI Stock Comparison: AI Score, Valuation, Performance and Upside
SCHB and VTI are virtually identical broad US stock market ETFs with the same 0.03% expense ratio. SCHB is the Schwab-branded version tracking 2,500 US stocks; VTI is the Vanguard version tracking 3,600+ US stocks. Performance correlation over any meaningful period exceeds 0.999. The choice is purely logistical — which brokerage you use and where you receive commission-free trading.
SCHB vs VTI is essentially the same broad US equity market index at the same cost — the only differentiation is provider (Schwab vs Vanguard) and index methodology (Dow Jones US Broad Market vs CRSP US Total Market) with negligible practical impact on performance.
Live analysis · updated 6/20/2026
VTI holds the edge across 3 of 5 key metrics in this comparison. VTI has delivered stronger 1-year price return (+27.29% vs +27.17% for SCHB).
Normalized 1Y performance
SCHB
VTI
Recent returns
SCHB
VTI
Who should consider this stock?
SCHB may suit investors who:
- →prefer Schwab's brokerage platform and receive commission-free trading on Schwab-branded ETFs
- →value Schwab's customer service and platform integration for a simpler one-provider financial experience
- →want broad US market exposure at minimum cost with a trusted provider aligned with their primary brokerage relationship
- →are comfortable with Dow Jones US Broad Market index tracking (2,500 stocks) vs CRSP's broader 3,600+ coverage
VTI may suit investors who:
- →prefer Vanguard's ETFs as the world's largest and most liquid broad market fund with universal commission-free availability
- →value maximum US market completeness with 3,600+ stocks including micro-cap that SCHB's 2,500-stock universe excludes
- →want the original cost-minimization leader with Vanguard's unique investor-owned structure ensuring permanent cost alignment
- →are comfortable with holding VTI through any brokerage as its liquidity and universality make it cost-efficient at any provider
Performance & AI score
| Metric | SCHB | VTI |
|---|---|---|
| ETF score | 88.0 | 90.0 |
| Latest close | $28.97 | $369.99 |
| 1M return | +2.77% | +2.76% |
| 6M return | +12.59% | +12.55% |
| 1Y return | +27.17% | +27.29% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | SCHB | VTI |
|---|---|---|
| 1Y ago | $12.87K (+28.7%) started 2025-06-18 | $12.88K (+28.8%) started 2025-06-18 |
| 5Y ago | $19.72K (+97.2%) started 2021-06-18 | $19.7K (+97.0%) started 2021-06-18 |
| 10Y ago | $48.57K (+385.7%) started 2016-06-20 | $48.32K (+383.2%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
Fund characteristics
| Metric | SCHB | VTI |
|---|---|---|
| Expense ratio | 0.03% | 0.03% |
| Total assets (AUM) | $43.31B | $2.31T |
| Dividend yield | 1.01% | 1.01% |
| Trailing P/E | 26.51 | 26.35 |
| Beta | 1.03 | 1.03 |
| 52-week change | 27.17% | 27.29% |
Risk & fund metrics
| Metric | SCHB | VTI |
|---|---|---|
| 1Y return | +27.17% | +27.29% |
| 6M return | +12.59% | +12.55% |
| 1M return | +2.77% | +2.76% |
| 1Y Sharpe ratio | 1.61 | 1.61 |
| Beta | 1.03 | 1.03 |
| Dividend yield | 1.01% | 1.01% |
| 5Y CAGR | +12.93% | +12.87% |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
SCHB max drawdown8.91%
VTI max drawdown8.92%
SCHB max wkly drop3.71%
VTI max wkly drop3.66%
5Y risk snapshot
SCHB max drawdown25.41%
VTI max drawdown25.36%
SCHB max wkly drop11.61%
VTI max wkly drop11.61%
10Y risk snapshot
SCHB max drawdown35.27%
VTI max drawdown35.00%
SCHB max wkly drop18.80%
VTI max wkly drop18.80%
Performance metrics by period
| Period | Metric | SCHB | VTI |
|---|---|---|---|
| 1Y | Growth | +27.17% | +27.29% |
| CAGR | +27.19% | +27.31% | |
| Sharpe ratio | 1.61 | 1.61 | |
| Max drawdown | 8.91% | 8.92% | |
| Max daily drop | 2.70% | 2.68% | |
| Max wkly drop | 3.71% | 3.66% | |
| 5Y | Growth | +83.66% | +83.13% |
| CAGR | +12.93% | +12.87% | |
| Sharpe ratio | 0.53 | 0.52 | |
| Max drawdown | 25.41% | 25.36% | |
| Max daily drop | 5.90% | 5.87% | |
| Max wkly drop | 11.61% | 11.61% | |
| 10Y | Growth | +307.09% | +307.06% |
| CAGR | +15.08% | +15.08% | |
| Sharpe ratio | 0.61 | 0.61 | |
| Max drawdown | 35.27% | 35.00% | |
| Max daily drop | 11.99% | 11.38% | |
| Max wkly drop | 18.80% | 18.80% |
Fund overview
| Category | SCHB | VTI |
|---|---|---|
| Fund name | Schwab U.S. Broad Market ETF | Vanguard Total Stock Market Index Fund ETF Shares |
| Type | ETF | ETF |
| Expense ratio | 0.03% | 0.03% |
| Total assets (AUM) | $43.31B | $2.31T |
| Dividend yield | 1.01% | 1.01% |
SCHB strengths
- →0.03% expense ratio matches the industry minimum for broad US market exposure
- →Commission-free trading on Schwab platforms for Schwab account holders with no minimums
- →Covers 2,500+ US stocks providing comprehensive large-cap, mid-cap, and small-cap exposure
VTI strengths
- →World's largest ETF by assets — highest liquidity and tightest bid-ask spreads of any broad market ETF
- →3,600+ holdings provides the most complete US market exposure including micro-cap segments excluded from SCHB
- →Vanguard's ownership structure (investors own the fund company) creates structural incentive to minimize costs permanently
Risks to watch — SCHB
- →Tracks the Dow Jones US Broad Market index rather than CRSP — slightly different index composition than VTI but virtually identical performance
- →Schwab product loyalty benefit disappears if you transfer to a different brokerage — VTI is universally commission-free across all major brokerages
- →2,500 holdings vs VTI's 3,600+ means slightly less micro-cap exposure, but the difference is immaterial given micro-cap weighting
Risks to watch — VTI
- →Available commission-free at most brokerages but not automatically commission-free everywhere — Schwab may charge commissions for VTI
- →Slightly higher number of holdings (3,600+ vs SCHB's 2,500) adds micro-cap exposure that increases very marginally in volatile markets
- →Vanguard's operational advantages are structural, not product-specific — the quality difference between VTI and SCHB is minimal
Frequently asked questions
Free public comparison
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.
Related comparisons
More comparisons
Browse all 1,000 comparisons →