SCHX vs VFIAX: Yield, Cost and Returns Compared
As of Nov 5, 2026, SCHX yields more: 1.07% (dividend yield) against 0.79% for VFIAX. SCHX is cheaper to own at 0.03% a year vs 0.04%. Over the same 16 years (Nov 2009 to Oct 2026), VFIAX returned 14.1% a year with distributions reinvested, and SCHX 14.1%.
| Compared | SCHX | VFIAX |
|---|---|---|
| YieldDividend yield | 1.07% | 0.79% |
| Expense ratio | 0.03% | 0.04% |
| Total return, 1 yr | +11.5% | +11.8% |
| Total return, 3 yr (a year) | +23.3% | +23.2% |
| Total return, 5 yr (a year) | +11.4% | +12.0% |
| Total return, 10 yr (a year) | +15.3% | +15.4% |
| Worst drop since Nov 2009 | -24.7% | -23.9% |
| Share price since Nov 2009 | +591% | +590% |
| Pays | Quarterly | Quarterly |
| Issuer | Schwab | Vanguard |
| Assets | $73.2B | $1.7T |
| Started | 2009 | 2010 |
| Type | Large Blend | Large Blend |
Higher yield
SCHX
1.07%
Lower cost
SCHX
0.03%
Better total return
VFIAX
14.1%/yr
Smaller worst drop
VFIAX
-23.9%
Key facts: SCHX vs VFIAX
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, SCHX yields 1.07% (dividend yield) and VFIAX yields 0.79% (dividend yield).
- SCHX's expense ratio is 0.03% and VFIAX's is 0.04%: $3 vs $4 a year on $10,000.
- From Nov 2009 to Oct 2026, $10,000 in SCHX grew to $92,617 (14.1% a year) and $10,000 in VFIAX to $93,499 (14.1% a year), distributions reinvested.
- Their worst month-end drops over that time: -24.7% for SCHX and -23.9% for VFIAX.
- 9 of SCHX's top ten holdings are also in VFIAX's top ten, an overlap of at least 33% of the fund.
Cite this page
SmarterDividends, "SCHX vs VFIAX: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/schx-vs-vfiax
$10,000 in each, Nov 2009 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
SCHX became
$92,617
14.1% a year
VFIAX became
$93,499
14.1% a year
Year by year
| Year | SCHX | VFIAX |
|---|---|---|
| 2025 | +17.5% | +17.8% |
| 2024 | +24.9% | +25.0% |
| 2023 | +26.8% | +26.2% |
| 2022 | −19.4% | −18.2% |
| 2021 | +26.8% | +28.7% |
| 2020 | +21.0% | +18.3% |
| 2019 | +31.2% | +31.5% |
| 2018 | −4.5% | −4.5% |
| 2017 | +21.7% | +21.8% |
| 2016 | +12.1% | +11.9% |
| 2015 | +1.0% | +1.3% |
| 2014 | +13.3% | +13.7% |
| 2013 | +32.6% | +32.3% |
| 2012 | +16.4% | +16.0% |
| 2011 | +1.6% | +2.1% |
| 2010 | +15.9% | +15.0% |
Total return each calendar year, distributions reinvested.
Top holdings
9 of the top ten overlap, at least 33% of each fund.
SCHX
- AAPL Apple Inc7.3%
- NVDA NVIDIA Corp7.2%
- MSFT Microsoft Corp5.6%
- AMZN Amazon.com Inc3.4%
- GOOGL Alphabet Inc Class A2.4%
- AVGO Broadcom Inc2.2%
- META Meta Platforms Inc Class A2.0%
- GOOG Alphabet Inc Class C1.9%
- LLY Eli Lilly and Co1.6%
- TSLA Tesla Inc1.6%
VFIAX
- NVDA NVIDIA Corp8.4%
- AAPL Apple Inc7.4%
- MSFT Microsoft Corp5.8%
- AMZN Amazon.com Inc3.7%
- GOOGL Alphabet Inc Class A3.1%
- AVGO Broadcom Inc2.5%
- GOOG Alphabet Inc Class C2.5%
- META Meta Platforms Inc Class A2.4%
- MU Micron Technology Inc1.8%
- TSLA Tesla Inc1.5%
SCHX vs VFIAX: questions
Is SCHX or VFIAX better?
It depends on the job. SCHX pays more today (1.07% vs 0.79%), SCHX costs less, and VFIAX has the better total return over Nov 2009 to Oct 2026, with VFIAX 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, SCHX or VFIAX?
SCHX, at 1.07% against 0.79% for VFIAX as of Nov 5, 2026. On $10,000 that's about $107 vs $79 a year at today's rates.
Which has the better total return?
VFIAX. From Nov 2009 to Oct 2026, it returned 14.1% a year with distributions reinvested, against 14.1% for SCHX. $10,000 became $93,499 vs $92,617.
Which is cheaper, SCHX or VFIAX?
SCHX, with a 0.03% expense ratio against 0.04%.
Do SCHX and VFIAX hold the same things?
Partly. 9 of their top ten holdings match (AAPL, NVDA, MSFT, AMZN), at least 33% of each fund. Owning both doubles up on those.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. For information only, not investment advice. Last fund data: Nov 5, 2026.