What is the primary structural difference between SCHG and VTI?

The core difference lies in the market exposure each ETF provides. SCHG focuses specifically on US large-capitalisation growth companies. Conversely, VTI is a broad market fund that includes large, mid, and small-capitalisation companies across all market capitalisations. This means VTI offers diversified exposure to the entire US equity market, while SCHG is concentrated solely on the growth segment of the largest companies. Investors choose between them based on whether they want specific growth tilt or total market coverage.

How do expense ratios affect long-term investment returns?

The expense ratio is the annual fee charged by the fund, which reduces the net return received by investors. In this comparison, SCHG has an expense ratio of 0.04%, whereas VTI has an expense ratio of 0.03%. The difference is 0.01 percentage points. While this appears negligible, fees compound over time, meaning lower costs leave more capital invested. Both funds have very low costs, so the fee difference is unlikely to be the sole deciding factor, but it remains a relevant consideration for cost-conscious investors.

Why is the index tracked information missing for these funds?

Based on the provided fund data, the specific index tracked is marked as 'not available' for both SCHG and VTI. Without this figure, it is impossible to name the precise benchmark. Generally, SCHG tracks a growth segment of the large-cap market, while VTI tracks the entire US stock market. Investors should consult official fund documents for exact index details, as relying on unavailable data prevents a technical assessment of tracking methodologies or specific benchmark composition differences.

How similar are the top holdings in SCHG and VTI?

There is significant overlap in the leading holdings, yet the concentration differs. Eight names appear in both top-10 lists: NVDA, AAPL, MSFT, AMZN, GOOGL, AVGO, GOOG, and META. However, the weights vary substantially. For example, NVDA constitutes 10.67% of SCHG compared to just 6.87% in VTI. Similarly, AAPL is 9.94% in SCHG versus 6.30% in VTI. This indicates SCHG is more concentrated in its top growth names, while VTI distributes these weights across a wider universe, resulting in a more diversified portfolio.

Which investing goal is SCHG typically associated with?

SCHG, the Schwab US Large-Cap Growth ETF, is typically associated with an investing goal focused on the growth segment of large companies. With an inception date of Dec 11, 2009, it is designed to capture the performance of firms expected to grow earnings at a faster rate than the average. Its top holdings include tech giants and growth-oriented industrial companies like NVDA and LLY, making it suitable for investors specifically seeking this thematic tilt rather than general market exposure.

Which investing goal is VTI typically associated with?

VTI, the Vanguard Total Stock Market ETF, is typically associated with a 'whole market' investing goal. Launched on May 24, 2001, it captures the performance of large, mid, and small-cap US stocks. It is a Large Blend category fund, offering diversified exposure to the entire domestic equity market. Investors generally select this type of fund to replicate the broader market performance, providing a foundational building block for a portfolio rather than targeting a specific style like growth or value.

How do the dividend yields of SCHG and VTI differ?

Based on the fund data, SCHG has a dividend yield of 0.36%, whereas VTI has a yield of 1.02%. This difference stems from the nature of growth companies versus the broad market. Large-cap growth stocks often reinvest capital into business expansion rather than distributing high dividends. VTI, including many mature companies across the entire market, tends to provide a higher income stream. Investors prioritising income might find the 1.02% yield more relevant, while growth investors focus on the capital appreciation potential of the fund.

Does VTI have more assets than SCHG?

Yes, there is a substantial disparity in the asset base of the two funds. VTI manages $692.2 billion in net assets, making it one of the largest ETFs globally. In comparison, SCHG manages $65.9 billion. While both are highly liquid funds, the larger size of VTI reflects its status as a foundational product for broad market access. The size of a fund can influence liquidity and bid-ask spreads, but generally, both funds are large enough that liquidity is not a concern for the average retail investor.

How does sector exposure differ between these funds?

The specific sector weights are listed as 'not available' for both SCHG and VTI in the provided data. Consequently, a precise numerical comparison of sector allocation cannot be made. However, SCHG's category is Large Growth, implying a higher weighting toward technology and consumer discretionary sectors, evidenced by top holdings like NVDA and AAPL. VTI is Large Blend, suggesting a more balanced distribution across all sectors to mirror the total US market structure, including financial and industrial heavyweights often absent in pure growth funds.

How do inception dates impact historical performance data?

The inception dates differ significantly, which affects the length of historical data available for each. VTI launched on May 24, 2001, allowing it to capture multiple market cycles, including the dot-com era's aftermath and the 2008 financial crisis. SCHG launched later on Dec 11, 2009, just prior to a prolonged bull market. When comparing performance history, VTI offers a longer track record spanning different economic environments, while SCHG's history reflects the growth market period of the last decade and a half.

What is the fee difference in percentage points?

For investors calculating cost differences, the expense ratio gap is minimal. SCHG charges 0.04% annually, and VTI charges 0.03%. Subtracting 0.03% from 0.04% reveals a difference of 0.01 percentage points. On an investment of $10,000, this represents a cost difference of one dollar per year. While fees should be considered, this marginal difference is negligible compared to the potential variance in returns caused by the different market segments the funds track.

Is this page providing financial advice?

No, this page is designed for educational purposes to help beginners interpret ETF comparison data. It details factual figures such as expense ratios of 0.04% for SCHG and 0.03% for VTI, and lists top holdings without endorsing either fund. Investors should understand that fund performance and suitability depend on individual circumstances and risk tolerance. Always conduct independent research or consult a qualified financial advisor before making investment decisions. This content serves as a neutral analysis of fund characteristics and does not constitute a recommendation to buy or sell securities.

SCHG vs VTI

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

This page compares Schwab US Large-Cap Growth ETF (SCHG) and Vanguard Total Stock Market ETF (VTI). It examines fees, holdings, dividends and how each fund tracks its market. SCHG has a 0.04% expense ratio and VTI 0.03%. Educational content, not financial advice.

Fund Snapshot

Key Fund Metrics

SCHG

Metric

VTI

0.04%

Expense Ratio

0.03%

0.36%

Dividend Yield

1.02%

$65.89B

Net Assets

$692.20B

196

Holdings

3,514

Dec 11, 2009

Inception Date

May 24, 2001

–

Index Tracked

–

Large Growth

Fund Category

Large Blend

VTI costs about $1.00 less per year for every $10,000 invested.

Shared Top Holdings

Holding	SCHG	VTI
NVDANVIDIA Corporation	10.67%	6.87%
AAPLApple Inc.	9.94%	6.30%
MSFTMicrosoft Corporation	7.42%	5.10%
AMZNAmazon.com, Inc.	4.93%	3.41%
GOOGLAlphabet Inc.	4.09%	2.70%
AVGOBroadcom Inc.	3.30%	2.37%
GOOGAlphabet Inc.	3.26%	2.12%
METAMeta Platforms, Inc.	3.01%	1.70%

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Investment Analysis

SCHG

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VTI

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About SCHG and VTI

SCHG (SCHG)

SCHG (Schwab US Large‑Cap Growth ETF) is an exchange‑traded fund that offers investors low‑cost exposure to US large‑capitalisation companies exhibiting growth characteristics. It tracks a large‑cap growth index and typically holds companies with higher expected earnings growth, often leading to heavier weights in technology and other growth‑oriented sectors. As an ETF, SCHG provides intraday liquidity, diversification across dozens to hundreds of stocks and a transparent holdings profile. Costs are generally lower than many active funds, but investors should note that growth‑style funds can be more volatile than broad‑market or value strategies and that past performance is not a guide to future returns. SCHG can serve as a growth sleeve within a broader portfolio but may not suit investors seeking high income or very low volatility. This information is educational and not personalised advice; consider your risk tolerance, investment horizon and the role of style and geographic diversification before investing.

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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SCHG vs VTI

Fund Snapshot