SCHB vs VTI: which was the better investment?
Schwab U.S. Broad Market ETF against Vanguard Total Stock Market ETF on real daily total-return data — every dividend reinvested, from Nov 3, 2009 to Jul 15, 2026.
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Frequently asked questions
Did SCHB beat VTI?
It was effectively a tie over the full overlap period (Nov 3, 2009 to Jul 15, 2026): $10,000 grew to $94,239 in SCHB and $94,883 in VTI, a difference of under 2%.
What would $10,000 in SCHB be worth today?
$10,000 invested in Schwab U.S. Broad Market ETF (SCHB) on Nov 3, 2009 would be worth about $94,239 as of Jul 15, 2026, a total return of 842.4% (14.4% per year). The same $10,000 in VTI would be worth $94,883.
Which was riskier — SCHB or VTI?
SCHB swung with an annualized volatility of 17.4% and a worst peak-to-trough drop of -35.3%; VTI ran at 17.5% volatility with a -35.0% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.71 for SCHB vs 0.71 for VTI.
What data is this comparison based on?
Daily adjusted closing prices covering Nov 3, 2009 through Jul 15, 2026 — the full period where both assets have price history. Adjusted prices include dividends and splits, so these are total returns. The page refreshes with new market data every day.
Can I change the dates, amounts, or add monthly investing?
Yes — the interactive tool on this page is pre-loaded with SCHB vs VTI. You can set any start and end date, change the starting amount, add monthly contributions, or build a multi-asset portfolio and compare it against any benchmark.