SWTSX vs VFIAX: Yield, Cost and Returns Compared
As of Nov 5, 2026, SWTSX yields more: 0.98% (dividend yield) against 0.79% for VFIAX. SWTSX is cheaper to own at 0.03% a year vs 0.04%. Over the same 18 years (Dec 2007 to Oct 2026), VFIAX returned 11.1% a year with distributions reinvested, and SWTSX 11.0%.
| Compared | SWTSX | VFIAX |
|---|---|---|
| YieldDividend yield | 0.98% | 0.79% |
| Expense ratio | 0.03% | 0.04% |
| Total return, 1 yr | +11.8% | +11.8% |
| Total return, 3 yr (a year) | +23.1% | +23.2% |
| Total return, 5 yr (a year) | +10.9% | +12.0% |
| Total return, 10 yr (a year) | +14.8% | +15.4% |
| Worst drop since Dec 2007 | -47.6% | -48.4% |
| Share price since Dec 2007 | +407% | +418% |
| Pays | Annual | Quarterly |
| Issuer | Schwab | Vanguard |
| Assets | $44.8B | $1.7T |
| Started | 1999 | 2010 |
| Type | Large Blend | Large Blend |
Higher yield
SWTSX
0.98%
Lower cost
SWTSX
0.03%
Better total return
VFIAX
11.1%/yr
Smaller worst drop
SWTSX
-47.6%
Key facts: SWTSX vs VFIAX
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, SWTSX yields 0.98% (dividend yield) and VFIAX yields 0.79% (dividend yield).
- SWTSX's expense ratio is 0.03% and VFIAX's is 0.04%: $3 vs $4 a year on $10,000.
- From Dec 2007 to Oct 2026, $10,000 in SWTSX grew to $71,121 (11.0% a year) and $10,000 in VFIAX to $73,212 (11.1% a year), distributions reinvested.
- Their worst month-end drops over that time: -47.6% for SWTSX and -48.4% for VFIAX.
- 10 of SWTSX's top ten holdings are also in VFIAX's top ten, an overlap of at least 35% of the fund.
Cite this page
SmarterDividends, "SWTSX vs VFIAX: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/swtsx-vs-vfiax
$10,000 in each, Dec 2007 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
SWTSX became
$71,121
11.0% a year
VFIAX became
$73,212
11.1% a year
Year by year
| Year | SWTSX | VFIAX |
|---|---|---|
| 2025 | +17.0% | +17.8% |
| 2024 | +23.8% | +25.0% |
| 2023 | +26.1% | +26.2% |
| 2022 | −19.5% | −18.2% |
| 2021 | +25.6% | +28.7% |
| 2020 | +20.7% | +18.3% |
| 2019 | +30.9% | +31.5% |
| 2018 | −5.3% | −4.5% |
| 2017 | +21.1% | +21.8% |
| 2016 | +12.6% | +11.9% |
| 2015 | +0.4% | +1.3% |
| 2014 | +12.4% | +13.7% |
| 2013 | +33.4% | +32.3% |
| 2012 | +16.3% | +16.0% |
| 2011 | +1.3% | +2.1% |
| 2010 | +17.2% | +15.0% |
| 2009 | +28.3% | +26.7% |
| 2008 | −36.6% | −37.0% |
Total return each calendar year, distributions reinvested.
Top holdings
10 of the top ten overlap, at least 35% of each fund.
SWTSX
- NVDA NVIDIA Corp7.4%
- AAPL Apple Inc6.5%
- MSFT Microsoft Corp5.1%
- AMZN Amazon.com Inc3.3%
- GOOGL Alphabet Inc Class A2.7%
- AVGO Broadcom Inc2.2%
- GOOG Alphabet Inc Class C2.2%
- META Meta Platforms Inc Class A2.1%
- MU Micron Technology Inc1.6%
- TSLA Tesla Inc1.3%
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%
SWTSX vs VFIAX: questions
Is SWTSX or VFIAX better?
It depends on the job. SWTSX pays more today (0.98% vs 0.79%), SWTSX costs less, and VFIAX has the better total return over Dec 2007 to Oct 2026, with SWTSX 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, SWTSX or VFIAX?
SWTSX, at 0.98% against 0.79% for VFIAX as of Nov 5, 2026. On $10,000 that's about $98 vs $79 a year at today's rates.
Which has the better total return?
VFIAX. From Dec 2007 to Oct 2026, it returned 11.1% a year with distributions reinvested, against 11.0% for SWTSX. $10,000 became $73,212 vs $71,121.
Which is cheaper, SWTSX or VFIAX?
SWTSX, with a 0.03% expense ratio against 0.04%.
Do SWTSX and VFIAX hold the same things?
Partly. 10 of their top ten holdings match (NVDA, AAPL, MSFT, AMZN), at least 35% 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.