SWTSX vs ITOT: which was the better investment?
Schwab Total Stock Market Index Fund against iShares Core S&P Total U.S. Stock Market ETF on real daily total-return data — every dividend reinvested, from Jan 23, 2004 to Jul 13, 2026.
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Frequently asked questions
Did SWTSX beat ITOT?
It was effectively a tie over the full overlap period (Jan 23, 2004 to Jul 13, 2026): $10,000 grew to $99,558 in SWTSX and $97,814 in ITOT, a difference of under 2%.
What would $10,000 in SWTSX be worth today?
$10,000 invested in Schwab Total Stock Market Index Fund (SWTSX) on Jan 23, 2004 would be worth about $99,558 as of Jul 13, 2026, a total return of 895.6% (10.8% per year). The same $10,000 in ITOT would be worth $97,814.
Which was riskier — SWTSX or ITOT?
SWTSX swung with an annualized volatility of 19.0% and a worst peak-to-trough drop of -54.6%; ITOT ran at 18.7% volatility with a -55.2% maximum drawdown. Risk-adjusted (Sharpe ratio), that is 0.46 for SWTSX vs 0.46 for ITOT.
What data is this comparison based on?
Daily adjusted closing prices covering Jan 23, 2004 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 SWTSX vs ITOT. 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.