What is the difference between SCHB and VTI regarding expense ratios?

Both SCHB and VTI have an identical expense ratio of 0.03%. Since the cost is exactly the same, there is no fee difference to consider when comparing these two funds directly. Over time, since the percentage deducted from assets is equal, this specific factor does not make one fund more expensive than the other. The key is that they are both extremely low-cost options relative to active management.

How do net assets affect these ETFs?

VTI has significantly higher net assets at $692.2 billion compared to SCHB's $44.4 billion. Higher assets often suggest greater liquidity and broader investor adoption, which can help with trading efficiency. SCHB’s lower asset base does not imply poor performance, but it may result in wider bid-ask spreads during volatile trading periods. Investors should view liquidity as a structural feature rather than a quality measure.

What do the inception dates tell us about these funds?

VTI launched on 24 May 2001, giving it a much longer track record. SCHB was established on 3 November 2009. A longer history allows for analysis across various market cycles, which can provide greater context for how the fund behaves during economic downturns or expansions. While SCHB has performed since 2009, it lacks the multi-decade operational history that VTI provides.

How similar are the top holdings of SCHB and VTI?

The top ten holdings for both funds are identical: NVDA, AAPL, MSFT, AMZN, GOOGL, AVGO, GOOG, META, MU, and TSLA. The weightings vary slightly; for instance, NVDA is 7.21% in SCHB and 6.87% in VTI. This high degree of overlap means that the primary driver of returns will be very similar for both funds. The slight differences in weights are typically due to different rebalancing schedules.

What are the current dividend yields for these funds?

SCHB has a dividend yield of 1.01%, while VTI has a yield of 1.02%. These figures are nearly indistinguishable and reflect the similar composition of large, profitable companies in both portfolios. Dividend yields are not static and fluctuate with price changes. Investors should treat these yields as income estimates rather than fixed returns. The low yields indicate that total return is primarily derived from capital appreciation.

What category and index tracking do these ETFs fall under?

Both funds are classified as Large Blend ETFs. The specific index tracked is listed as not available in the provided data. Generally, such ETFs aim to replicate the performance of the total U.S. stock market. They provide exposure to large, mid, and small-cap stocks. Understanding the broad market exposure is more critical than the missing index name for most retail investors.

Why might the same top holdings matter for investors?

When top holdings are the same, market events affecting these large companies will impact both funds almost equally. If NVDA or AAPL experiences a significant price change, it will affect SCHB and VTI similarly due to their high concentration in these stocks. This reduces the differentiation between the two. Investors should look beyond top holdings to understand the broader small-cap exposure which might vary.

Which investing goal are these ETFs typically associated with?

These funds are generally associated with long-term capital growth and broad diversification. Because they hold thousands of companies, they fit core portfolio strategies. They are not designed for tactical trading or specific sector bets. The low expense ratios and broad exposure make them suitable for passive, buy-and-hold strategies. Neither fund is recommended for short-term speculation.

What does the 'not available' sector weight mean?

The data provided does not specify sector weights for either fund. However, given the identical top holdings, it is reasonable to assume the overall sector allocation is very similar, dominated by Technology and Communication Services. Investors should refer to the fund providers’ websites for up-to-date, granular sector data. Relying on top holdings alone is useful but incomplete for deep analysis.

How do the issuers compare in this context?

SCHB is issued by Schwab, and VTI is issued by Vanguard. Both are well-established financial institutions with a reputation for low-cost indexing. The issuer matters less when the expense ratio and holdings are virtually identical. The primary distinction lies in the platform ecosystem you use. Both funds are managed with a passive investment philosophy.

SCHB vs VTI

Two funds, one decision: we compare cost, performance and what each ETF actually holds in September 2026.

Compare SCHB (U.S. Broad Market Schwab) and VTI (Vanguard Total Stock Market ETF) on fees, holdings, and dividends. Both funds charge a 0.03% expense ratio and offer broad exposure to the U.S. market. This page examines how each tracks its target, including net assets, yields, and top positions, to help you understand their similarities. Educational content, not financial advice.

Fund Snapshot

Key Fund Metrics

SCHB

Metric

VTI

0.03%

Expense Ratio

0.03%

1.01%

Dividend Yield

1.02%

$44.42B

Net Assets

$692.20B

2,380

Holdings

3,514

Nov 3, 2009

Inception Date

May 24, 2001

–

Index Tracked

–

Large Blend

Fund Category

Large Blend

Both funds charge the same annual fee.

Shared Top Holdings

Holding	SCHB	VTI
NVDANVIDIA Corporation	7.21%	6.87%
AAPLApple Inc.	6.72%	6.30%
MSFTMicrosoft Corporation	5.02%	5.10%
AMZNAmazon.com, Inc.	3.34%	3.41%
GOOGLAlphabet Inc.	2.76%	2.70%
AVGOBroadcom Inc.	2.23%	2.37%
GOOGAlphabet Inc.	2.20%	2.12%
METAMeta Platforms, Inc.	2.03%	1.70%
MUMicron Technology, Inc.	1.50%	1.46%
TSLATesla, Inc.	1.40%	1.40%

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SCHB vs SCHX compared: both charge 0.03% and share the same top ten. See how 2,380 broad-market holdings differ from 750 large caps in yield and size.

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Compare SCHB and SCHG: 0.03% vs 0.04% expense ratio, about 2,380 vs 196 holdings, broad US market vs large-cap growth, and 1.01% vs 0.37% yield.

Investment Analysis

SCHB

Pros

,
The fund provides broad United States market exposure through its large blend categorisation.
Recent dividend yield of 1.01 percent complements the total market investment approach.

Considerations

,
Net assets of 44.4 billion are substantially lower than the primary competitor.
Inception date of November 2009 implies a shorter track record.

VTI

Pros

,
Vanguard's substantial net assets of 692.2 billion support high liquidity.
Long track record since May 2001 enhances investor confidence.

Considerations

,
Dividend yield of 1.02 percent is similar to the peer fund.
Concentration in top holdings mirrors the rival ETF, reducing differentiation.

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About SCHB and VTI

SCHB (SCHB)

SCHB (Schwab U.S. Broad Market ETF) offers investors broad exposure to the US equity market by tracking a wide-capitalisation index of US-listed companies. It is structured as an exchange-traded fund from Charles Schwab and aims to capture the performance of the overall US stock market rather than just large-cap names. Investors should know it provides diversified single-ticket access to many sectors, can be used as a core equity holding, and typically has the trading flexibility of an ETF. As with all equity investments, values can rise and fall and past performance is no guarantee of future returns. This information is educational and not personal investment advice; check the fund’s prospectus and current factsheets for up-to-date details on holdings, fees, distributions and risks before making decisions.

VTI (VTI)

This ETF offers broad exposure to the US equity market by tracking a comprehensive index of publicly traded companies. Designed as a large blend fund, it holds thousands of individual stocks, ranging from massive multinational corporations to smaller domestic firms. With an ultra-low expense ratio of 0.03%, it aims to provide cost-efficient long-term growth potential. The fund has a dividend yield of approximately 1.02%, reflecting the aggregate distributions from its holdings. Investors often consider this vehicle for core portfolio diversification, though it is essential to remember that stock market investments carry inherent risks, and values can fluctuate. Past performance is not indicative of future results, and returns are not guaranteed.

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SCHB vs VTI

Fund Snapshot