SCHB vs VTI: Schwab vs Vanguard in the Total Market Race
Both charge 0.03% and own the entire US stock market. The index methodology differs slightly — but practically speaking, these are interchangeable.
SCHB (Schwab US Broad Market ETF) and VTI (Vanguard Total Stock Market ETF) are both exceptional total US market ETFs at the same 0.03% expense ratio. VTI tracks the CRSP US Total Market Index (~3,700 stocks) and has roughly $480B in assets. SCHB tracks the Dow Jones US Broad Stock Market Index (~2,500 stocks) with about $30B in assets. Both cover large, mid, small, and micro-cap US stocks. The slight differences in holding count reflect index construction methodology — not a meaningful difference in exposure. VTI's larger AUM gives it a liquidity edge; SCHB is the natural pick for Schwab users. Neither choice is wrong.
Whether the lower-cost fund suits your situation depends on your existing holdings, account type, tax situation, and how you use each fund. This is a cost comparison, not a personalized recommendation.
Both funds trade commission-free at every major brokerage. Where to buy them →
📋 SCHB vs VTI: Key Facts Side by Side
| Metric | SCHB | VTI |
|---|---|---|
| Fund Name | Schwab U.S. Broad Market ETF | Vanguard Morningstar Total Stock Market ETF |
| Issuer | Schwab | Vanguard |
| Tracks Index | Dow Jones US Broad Stock Market | CRSP US Total Market |
| Expense Ratio | 0.03% | 0.03% |
| Cost per $10K/yr | $3.00 | $3.00 |
| AUM | $44.4B | $2,202.6B |
| Holdings | 2,500 | 3,700 |
| Inception | 2009 | 2001 |
| 1-Year Return | +16.81% | +16.20% |
| 3-Year Return | +22.70% | +22.68% |
| 5-Year Return | +12.81% | +12.74% |
| Dividend Yield | 1.05% | 1.06% |
| Holdings Overlap | See holdings overlap → | |
| Avg Bid-Ask Spread | 0.01% | 0.00% |
AUM and returns updated Oct 14, 2026 from ETF BFF database; expense ratios verified against issuer filings. Returns are annualised. Not investment advice.
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📊 SCHB vs VTI: Annualised Returns
Annualised returns (trailing, price-based). Past performance does not guarantee future results.
🎯 Which Fund Fits Which Investor?
- want the entire US stock market: large, mid, and small cap in one fund
- already use Schwab and prefer staying within one fund family
- want broader diversification (3,700 holdings vs 2,500)
- want the entire US stock market: large, mid, and small cap in one fund
💰 What the Fee Difference Actually Costs
Adjust the numbers for your situation. This models each fund's expense ratio compounding against your balance over time.
Assumes a constant annual return reinvested, with each fund's expense ratio deducted yearly. Illustrative only; actual returns vary. Past performance does not guarantee future results.
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Side-by-side holdings overlap, sector breakdown, and live performance tabs, all in one place.
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