SCHX vs VTI: which was the better investment?
Schwab U.S. Large-Cap ETF against Vanguard Total Stock Market ETF on real daily total-return data — every dividend reinvested, from Nov 3, 2009 to Jul 13, 2026.
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Frequently asked questions
Did SCHX beat VTI?
It was effectively a tie over the full overlap period (Nov 3, 2009 to Jul 13, 2026): $10,000 grew to $95,879 in SCHX and $94,180 in VTI, a difference of under 2%.
What would $10,000 in SCHX be worth today?
$10,000 invested in Schwab U.S. Large-Cap ETF (SCHX) on Nov 3, 2009 would be worth about $95,879 as of Jul 13, 2026, a total return of 858.8% (14.5% per year). The same $10,000 in VTI would be worth $94,180.
Which was riskier — SCHX or VTI?
SCHX swung with an annualized volatility of 17.2% and a worst peak-to-trough drop of -34.3%; VTI ran at 17.5% volatility with a -35.0% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.73 for SCHX vs 0.71 for VTI.
What data is this comparison based on?
Daily adjusted closing prices covering Nov 3, 2009 through Jul 13, 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 SCHX 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.