SCHF vs VTIAX: Yield, Cost and Returns Compared
As of Nov 5, 2026, SCHF yields more: 3.13% (dividend yield) against 2.33% for VTIAX. SCHF is cheaper to own at 0.03% a year vs 0.09%. Over the same 15 years (Nov 2010 to Oct 2026), SCHF returned 7.6% a year with distributions reinvested, and VTIAX 6.7%.
| Compared | SCHF | VTIAX |
|---|---|---|
| YieldDividend yield | 3.13% | 2.33% |
| Expense ratio | 0.03% | 0.09% |
| Total return, 1 yr | +17.5% | +13.0% |
| Total return, 3 yr (a year) | +21.6% | +20.3% |
| Total return, 5 yr (a year) | +9.5% | +8.0% |
| Total return, 10 yr (a year) | +9.9% | +9.0% |
| Worst drop since Nov 2010 | -27.4% | -27.8% |
| Share price since Nov 2010 | +108% | +79% |
| Pays | Semiannual | Quarterly |
| Issuer | Schwab | Vanguard |
| Assets | $67.7B | $646.6B |
| Started | 2009 | 2011 |
| Type | Foreign Large Blend | Foreign Large Blend |
Higher yield
SCHF
3.13%
Lower cost
SCHF
0.03%
Better total return
SCHF
7.6%/yr
Smaller worst drop
SCHF
-27.4%
Key facts: SCHF vs VTIAX
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, SCHF yields 3.13% (dividend yield) and VTIAX yields 2.33% (dividend yield).
- SCHF's expense ratio is 0.03% and VTIAX's is 0.09%: $3 vs $9 a year on $10,000.
- From Nov 2010 to Oct 2026, $10,000 in SCHF grew to $32,311 (7.6% a year) and $10,000 in VTIAX to $28,258 (6.7% a year), distributions reinvested.
- Their worst month-end drops over that time: -27.4% for SCHF and -27.8% for VTIAX.
- 7 of SCHF's top ten holdings are also in VTIAX's top ten, an overlap of at least 8% of the fund.
Cite this page
SmarterDividends, "SCHF vs VTIAX: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/schf-vs-vtiax
$10,000 in each, Nov 2010 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
SCHF became
$32,311
7.6% a year
VTIAX became
$28,258
6.7% a year
Year by year
| Year | SCHF | VTIAX |
|---|---|---|
| 2025 | +34.6% | +32.2% |
| 2024 | +3.3% | +5.2% |
| 2023 | +18.3% | +15.5% |
| 2022 | −14.8% | −16.0% |
| 2021 | +11.4% | +8.6% |
| 2020 | +9.5% | +11.3% |
| 2019 | +22.2% | +21.5% |
| 2018 | −14.2% | −14.5% |
| 2017 | +26.1% | +27.5% |
| 2016 | +3.0% | +4.7% |
| 2015 | −2.6% | −4.3% |
| 2014 | −5.6% | −4.2% |
| 2013 | +18.9% | +15.1% |
| 2012 | +18.8% | +18.2% |
| 2011 | −12.6% | −14.4% |
Total return each calendar year, distributions reinvested.
Top holdings
7 of the top ten overlap, at least 8% of each fund.
SCHF
- Samsung Electronics Co Ltd2.7%
- SK hynix Inc2.1%
- ASML.AS ASML Holding NV2.1%
- SHEL.L Shell PLC1.1%
- NOVN.SW Novartis AG Registered Shares1.0%
- HSBA.L HSBC Holdings PLC1.0%
- RY Royal Bank of Canada1.0%
- AZN.L AstraZeneca PLC1.0%
- NESN.SW Nestle SA0.9%
VTIAX
- Taiwan Semiconductor Manufacturing Co Ltd4.3%
- Samsung Electronics Co Ltd2.0%
- SK hynix Inc1.7%
- ASML.AS ASML Holding NV1.6%
- Tencent Holdings Ltd0.8%
- HSBA.L HSBC Holdings PLC0.8%
- ROP.SW Roche Holding AG Ordinary Shares new0.7%
- SHEL.L Shell PLC0.6%
- RY Royal Bank of Canada0.6%
- NOVN.SW Novartis AG Registered Shares0.6%
SCHF vs VTIAX: questions
Is SCHF or VTIAX better?
It depends on the job. SCHF pays more today (3.13% vs 2.33%), SCHF costs less, and SCHF has the better total return over Nov 2010 to Oct 2026, with SCHF holding up better in its worst stretch. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, SCHF or VTIAX?
SCHF, at 3.13% against 2.33% for VTIAX as of Nov 5, 2026. On $10,000 that's about $313 vs $233 a year at today's rates.
Which has the better total return?
SCHF. From Nov 2010 to Oct 2026, it returned 7.6% a year with distributions reinvested, against 6.7% for VTIAX. $10,000 became $32,311 vs $28,258.
Which is cheaper, SCHF or VTIAX?
SCHF, with a 0.03% expense ratio against 0.09%.
Do SCHF and VTIAX hold the same things?
Partly. 7 of their top ten holdings match (Samsung Electronics Co Ltd, SK hynix Inc, ASML.AS, HSBA.L), at least 8% of each fund. Owning both doubles up on those.
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. SCHF leads on 8 of 8 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.