SCHF vs VTI: which was the better investment?
Schwab International Equity 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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Daily total-return data — dividends reinvested. Monthly additions buy on the first trading day.
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Frequently asked questions
Did SCHF beat VTI?
No — measured from Nov 3, 2009 to Jul 15, 2026 with dividends reinvested, VTI came out ahead: $94,897 versus $34,762 from a $10,000 start. That gap compounds from a 14.4% annual return against 7.7%.
What would $10,000 in SCHF be worth today?
$10,000 invested in Schwab International Equity ETF (SCHF) on Nov 3, 2009 would be worth about $34,762 as of Jul 15, 2026, a total return of 247.6% (7.7% per year). The same $10,000 in VTI would be worth $94,897.
Which was riskier — SCHF or VTI?
SCHF swung with an annualized volatility of 18.1% and a worst peak-to-trough drop of -34.9%; VTI ran at 17.5% volatility with a -35.0% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.32 for SCHF 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 SCHF 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.