SCHX vs VTI: Yield, Cost and Returns Compared
As of Nov 5, 2026, VTI yields more: 1.08% (dividend yield) against 1.07% for SCHX. SCHX is cheaper to own at 0.03% a year vs 0.03%. Over the same 16 years (Nov 2009 to Oct 2026), SCHX returned 14.1% a year with distributions reinvested, and VTI 13.9%.
VTIVanguard Morningstar Total Stock Market ETF1.08%dividend yield| Compared | SCHX | VTI |
|---|---|---|
| YieldDividend yield | 1.07% | 1.08% |
| Expense ratio | 0.03% | 0.03% |
| Total return, 1 yr | +11.5% | +12.0% |
| Total return, 3 yr (a year) | +23.3% | +23.1% |
| Total return, 5 yr (a year) | +11.4% | +10.9% |
| Total return, 10 yr (a year) | +15.3% | +14.9% |
| Worst drop since Nov 2009 | -24.7% | -24.8% |
| Share price since Nov 2009 | +591% | +574% |
| Pays | Quarterly | Quarterly |
| Issuer | Schwab | Vanguard |
| Assets | $73.2B | $2.3T |
| Started | 2009 | 2001 |
| Type | Large Blend | Large Blend |
Higher yield
VTI
1.08%
Lower cost
SCHX
0.03%
Better total return
SCHX
14.1%/yr
Smaller worst drop
SCHX
-24.7%
Key facts: SCHX vs VTI
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, SCHX yields 1.07% (dividend yield) and VTI yields 1.08% (dividend yield).
- SCHX's expense ratio is 0.03% and VTI's is 0.03%: $3 vs $3 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 VTI to $90,671 (13.9% a year), distributions reinvested.
- Their worst month-end drops over that time: -24.7% for SCHX and -24.8% for VTI.
- 9 of SCHX's top ten holdings are also in VTI's top ten, an overlap of at least 32% of the fund.
Cite this page
SmarterDividends, "SCHX vs VTI: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/schx-vs-vti
$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
VTI became
$90,671
13.9% a year
Year by year
| Year | SCHX | VTI |
|---|---|---|
| 2025 | +17.5% | +17.1% |
| 2024 | +24.9% | +23.8% |
| 2023 | +26.8% | +26.0% |
| 2022 | −19.4% | −19.5% |
| 2021 | +26.8% | +25.7% |
| 2020 | +21.0% | +21.1% |
| 2019 | +31.2% | +30.7% |
| 2018 | −4.5% | −5.2% |
| 2017 | +21.7% | +21.2% |
| 2016 | +12.1% | +12.8% |
| 2015 | +1.0% | +0.4% |
| 2014 | +13.3% | +12.5% |
| 2013 | +32.6% | +33.4% |
| 2012 | +16.4% | +16.4% |
| 2011 | +1.6% | +1.0% |
| 2010 | +15.9% | +17.4% |
Total return each calendar year, distributions reinvested.
Top holdings
9 of the top ten overlap, at least 32% 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%
VTI
- NVDA NVIDIA Corp7.1%
- AAPL Apple Inc6.6%
- MSFT Microsoft Corp5.2%
- AMZN Amazon.com Inc3.3%
- GOOGL Alphabet Inc Class A2.8%
- AVGO Broadcom Inc2.3%
- META Meta Platforms Inc Class A2.2%
- GOOG Alphabet Inc Class C2.2%
- MU Micron Technology Inc1.6%
- TSLA Tesla Inc1.4%
SCHX vs VTI: questions
Is SCHX or VTI better?
It depends on the job. VTI pays more today (1.08% vs 1.07%), SCHX costs less, and SCHX has the better total return over Nov 2009 to Oct 2026, with SCHX 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 VTI?
VTI, at 1.08% against 1.07% for SCHX as of Nov 5, 2026. On $10,000 that's about $108 vs $107 a year at today's rates.
Which has the better total return?
SCHX. From Nov 2009 to Oct 2026, it returned 14.1% a year with distributions reinvested, against 13.9% for VTI. $10,000 became $92,617 vs $90,671.
Which is cheaper, SCHX or VTI?
SCHX, with a 0.03% expense ratio against 0.03%.
Do SCHX and VTI hold the same things?
Partly. 9 of their top ten holdings match (NVDA, AAPL, MSFT, AMZN), at least 32% 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. SCHX leads on 5 of 7 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.