DV
Dividend Vision

ETF Comparison

ITOT vs SCHB vs VOO vs VTI: Which Core Index Fund Fits?

A side-by-side comparison of three total-market index funds and the S&P 500 tracker they are measured against, covering index breadth, concentration, and cost.

Updated October 2, 2026

How these figures are calculated: methodology.

Best for

  • ITOTInvestors who want broad equity exposure.
  • SCHBInvestors who want broad equity exposure.
  • VOOInvestors who want the cap-weighted S&P 500 rather than the price-weighted Dow thirty.
  • VTIInvestors who want the broadest one-fund diversification at rock-bottom cost.

Jump to the side-by-side numbers

Visual comparison

Key metrics

Projected income on $10K

Projections assume the current yield and share price remain constant. Actual results will vary.

Total returns

100% reinvested · ex-date convention. Period returns use this fixed assumption, independent of chart settings. YTD and 1Y are cumulative period returns; 3Y, 5Y, and 10Y are annualized. The shared Since-start window is annualized only when it covers at least one year.

VOO tops the group over the trailing twelve months with a 16.45% total return, against ITOT at 16.15%, SCHB at 16.06% and VTI at 16.09%. Across the 10-year window, VOO has the strongest compounding at 15.46% a year. Figures are total returns: price change plus every distribution reinvested.

Total return and risk statistics by fund. Each row is one fund; each column is one period or statistic.
SymbolYTD cumulative1Y cumulative3Y annualized5Y annualized10Y annualizedSince Sep 2010Volatility Sharpe Sortino Max drawdown
ITOT13.45%16.15%22.82%12.52%14.82%14.58%15.3%1.051.53-19.4%
SCHB13.46%16.06%22.81%12.58%14.87%14.56%15.1%1.071.54-19.3%
VOO13.59%16.45%23.23%13.71%15.46%14.93%14.8%1.111.61-18.7%
VTI13.35%16.09%22.79%12.47%14.86%14.56%15.4%1.051.52-19.3%

Total return with all distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date), split-adjusted, as of October 2, 2026. YTD and 1Y are cumulative period returns; 3Y, 5Y, and 10Y are annualized. The shared Since-start window is annualized only when it covers at least one year. “Since Sep 2010” measures every fund from September 9, 2010 — the start of shared available history — so all funds share one comparison window. Volatility is the annualized standard deviation of daily total returns over the trailing 3 years. Sharpe and Sortino divide the annualized return in excess of the risk-free rate by, respectively, that volatility and the downside deviation (both over the trailing 3 years) — higher is better. Max drawdown is the largest peak-to-trough total-return decline over the same window — shallower is better.

Side-by-side snapshot

Side-by-side snapshot. Each row is one metric; each column is one fund.
MetricITOTSCHBVOOVTI
Full nameiShares Core S&P Total U.S. Stock Market ETFSchwab U.S. Broad Market ETFVanguard S&P 500 ETFVanguard Morningstar Total Stock Market ETF
IssueriSharesSchwabVanguardVanguard
Underlying indexS&P Total Market IndexDow Jones U.S. Broad Stock Market IndexS&P 500 IndexMorningstar US Total Market Index
Last Close$167.95 as of October 2, 2026$29.61 as of October 2, 2026$707.54 as of October 2, 2026$377.99 as of October 2, 2026
Distribution rate1.08%1.09%1.03%1.01%
Trailing 12-month yield1.00%1.04%1.05%1.04%
Distribution Safety Score™ 96100100100
Safety-Adjusted Yield 1.04%1.09%1.03%1.01%
Expense ratio0.03%0.03%0.03%0.03%
AUM$96.9B$44.9B$1041B$700B
Distribution frequencyQuarterlyQuarterlyQuarterlyQuarterly
ObjectiveProvide exposure to the fund's underlying index or strategy per issuer materials.Provide exposure to the fund's underlying index or strategy per issuer materials.Track the performance of the S&P 500 Index, representing 500 of the largest U.S. companies.Seeks to track the Morningstar US Total Market Index.
Asset classEquityEquityEquityEquity
Inception date01/20/200411/03/200909/07/201005/24/2001
Beta1.031.031.01.0379
Last dividend$0.453$0.0809$1.8226$0.9555
Ex-dividend date09/15/202609/23/202609/28/202609/28/2026
Model this comparison:
Compare in my portfolio Forecast income Save to watchlist

Income calculator

See how much monthly income a hypothetical investment would generate in each ETF at current yields.

iShares
ETFs466
Total AUM$4683B

ETFs and AUM reflect what Dividend Vision tracks — the issuer's full lineup may be larger.

iShares is one of the largest ETF providers globally, known for offering a broad, diversified lineup of exchange-traded funds across multiple asset classes and investment strategies. The company operates 215 funds spanning 15 distinct families, including popular offerings in dividend income, covered call strategies, bonds, equities, ESG-focused investments, and factor-based approaches, with widely-held tickers like AGG (bond), ACWI (global equity), and AOA (allocation). iShares is characterized by its comprehensive fund ecosystem that serves both core portfolio holdings and specialized investment strategies, making it a prominent player for investors seeking both traditional and alternative income-generating ETF solutions.

See our curated list of related YouTube videos on ITOT.

See all iShares ETFs
Schwab
ETFs33
Total AUM$612B

ETFs and AUM reflect what Dividend Vision tracks — the issuer's full lineup may be larger.

Schwab is a major provider of low-cost, broad-based ETFs known for making investing accessible to individual investors through its discount brokerage platform. The issuer's fund lineup spans multiple categories including core index funds, dividend and income-focused strategies, factor-based approaches, international exposure, fixed income, and digital assets, with popular core holdings like SCHB (U.S. broad market) and SCHD (dividend appreciation) alongside more specialized thematic offerings. Schwab's ETF suite is characterized by its breadth across asset classes and investment styles, competitive expense ratios, and integration with its retail brokerage ecosystem.

See our curated list of related YouTube videos on SCHB.

See all Schwab ETFs
Vanguard
ETFs116
Total AUM$4676B

ETFs and AUM reflect what Dividend Vision tracks — the issuer's full lineup may be larger.

Vanguard is one of the largest and most established ETF issuers, known for low-cost, broadly diversified fund offerings built on passive indexing principles. Their lineup spans multiple asset classes and strategies, including core equity and bond index funds, dividend-focused portfolios, ESG-screened options, factor-based strategies, sector exposure, target-date retirement funds, and international investments across developed and emerging markets. The platform is characterized by its emphasis on accessibility and cost efficiency across a comprehensive range of fund families, serving both individual investors seeking broad market exposure and those pursuing specific income, sustainability, or thematic objectives.

See our curated list of related YouTube videos on VOO and VTI.

See all Vanguard ETFs

Want to go deeper?

Add these ETFs to a sample portfolio and forecast your dividend income over 5+ years — free to start, no credit card.

Compare in my portfolio Forecast income Save to watchlist

Quick verdict

ITOT (iShares Core S&P Total U.S. Stock Market ETF), SCHB (Schwab U.S. Broad Market ETF), VOO (Vanguard S&P 500 ETF), VTI (Vanguard Morningstar Total Stock Market ETF) are dividend ETFs that take different approaches.

SCHB offers the highest reported yield at 1.09%, followed by ITOT at 1.08%, VOO at 1.03%, VTI at 1.01%.

All funds share the same expense ratio of 0.03%, so cost is not a differentiator here.

VOO is the largest fund by assets ($1041B), but assets alone do not establish trading costs or liquidity.

Deep dive

Yield & income

On a $10,000 investment: ITOT generates ~$27.00 cash per distribution, SCHB generates ~$27.25 cash per distribution, VOO generates ~$25.75 cash per distribution, VTI generates ~$25.25 cash per distribution at current distribution rates.

ITOT yield1.08%
SCHB yield1.09%
VOO yield1.03%
VTI yield1.01%

Cost & efficiency

Over 10 years on $10,000: ITOT costs ~$30, SCHB costs ~$30, VOO costs ~$30, VTI costs ~$30 in fees (simplified, not compounded).

ITOT ER0.03%
SCHB ER0.03%
VOO ER0.03%
VTI ER0.03%

Strategy & risk

ITOT tracks S&P Total Market Index with an index approach; SCHB tracks Dow Jones U.S. Broad Stock Market Index with an index approach; VOO tracks S&P 500 Index with a large cap approach; VTI tracks Morningstar US Total Market Index.

ITOT beta1.03
SCHB beta1.03
VOO beta1.0
VTI beta1.0379

Fund details

ITOT is managed by iShares (launched 01/20/2004) with $96.9B in assets. SCHB is managed by Schwab (launched 11/03/2009) with $44.9B in assets. VOO is managed by Vanguard (launched 09/07/2010) with $1041B in assets. VTI is managed by Vanguard (launched 05/24/2001) with $700B in assets.

ITOT AUM$96.9B
SCHB AUM$44.9B
VOO AUM$1041B
VTI AUM$700B
Ready to act?
Open in Comparator Model in portfolio See pricing

Enjoyed this page?

Do us a favor — if you found this comparison useful, please share it with a friend researching dividend ETFs.

Frequently asked questions

Which of ITOT, SCHB, VOO, and VTI is best for dividend income?

It depends on your goals. SCHB currently offers the highest reported distribution yield, which means more income per dollar invested. However, a lower-yield fund may offer better total return or lower volatility, and funds without an established distribution history have no comparable yield to evaluate. Consider your time horizon and risk tolerance.

What is the difference between ITOT, SCHB, VOO, and VTI?

ITOT (iShares Core S&P Total U.S. Stock Market ETF) tracks S&P Total Market Index with an index approach, issued by iShares. SCHB (Schwab U.S. Broad Market ETF) tracks Dow Jones U.S. Broad Stock Market Index with an index approach, issued by Schwab. VOO (Vanguard S&P 500 ETF) tracks S&P 500 Index with a large cap approach, issued by Vanguard. VTI (Vanguard Morningstar Total Stock Market ETF) tracks Morningstar US Total Market Index, issued by Vanguard.

Can I hold ITOT, SCHB, VOO, and VTI together?

Yes — nothing prevents holding them together. Whether the combination actually diversifies depends on how much the underlying exposures overlap, which isn't fully measurable from the data on this page; review each security's holdings, sector, and strategy before treating them as complementary.

Which of ITOT, SCHB, VOO and VTI is safest?

By Dividend Vision's Distribution Safety Score — a rules-based 0–100 estimate of how resilient a distribution looks, where higher is safer — they are effectively tied: SCHB scores 100, VOO scores 100, VTI scores 100, ITOT scores 96. Neither has a clear safety edge on that measure. No score makes an investment risk-free — treat this as a screening signal, not a guarantee.

Which has the lowest fees among ITOT, SCHB, VOO, and VTI?

ITOT has an expense ratio of 0.03%, SCHB has an expense ratio of 0.03%, VOO has an expense ratio of 0.03%, VTI has an expense ratio of 0.03%. Lower fees mean more of your investment returns stay in your pocket over time.

How much income does $10,000 generate in each?

$10,000 in ITOT yields ~$27.00 cash per distribution ($108.00/year). $10,000 in SCHB yields ~$27.25 cash per distribution ($109.00/year). $10,000 in VOO yields ~$25.75 cash per distribution ($103.00/year). $10,000 in VTI yields ~$25.25 cash per distribution ($101.00/year).

More comparisons to explore

ITOT vs SCHB vs VOO vs VTI — at a glance

Generated October 3, 2026.

Overview

These four ETFs all track broad U.S. stock market indexes and charge the same 0.03% expense ratio, making them functionally identical on cost. The key distinction is breadth: VOO captures the 500 largest U.S. companies via the S&P 500, while ITOT, SCHB, and VTI extend into midcaps and smaller stocks through total-market indexes. Among the total-market trio, AUM and inception history differ, but their underlying indexes are nearly identical in composition and turnover.

How they differ

VOO is a large-cap fund, holding only the 500 largest companies, while ITOT, SCHB, and VTI own the full breadth of U.S. equities down to microcaps. Within the total-market group, VTI is the largest by far at $700B, ITOT follows at $96.9B, and SCHB is smallest at $44.9B. All four charge 0.03%, so cost is not a differentiator. Yields are nearly flat across the four—ranging from 1.03% to 1.09%—reflecting their shared exposure to large-cap dividend payers and the fact that smaller stocks in the total-market indexes contribute minimal income. VOO's beta of 1.0 is slightly lower than the total-market funds, which typically run 1.03 to 1.0379 because mid and small-cap volatility lifts the group average.

Who each is best for

VOO: Fits investors who want pure large-cap U.S. equity exposure and prefer to sidestep the added volatility and lower liquidity of mid and small-cap holdings.

ITOT: Designed for total-market exposure at a lower cost than many actively managed alternatives and suits investors seeking the oldest continuously tracked total-market index among these four, with inception in 2004.

SCHB: Matches investors who have existing Schwab custody relationships and value the convenience of a Schwab-managed total-market fund with comparable fees and broad-market reach.

Key risks to know

  • Large-cap concentration in total-market funds. Even though ITOT, SCHB, and VTI own the full market, the top 10 holdings represent roughly 30% of each fund's weight, so performance is heavily driven by mega-cap tech and finance stocks regardless of which total-market vehicle you choose.
  • Small- and mid-cap drag during market leadership rotations. When large caps outperform (as they have in recent years), total-market funds lag pure large-cap funds like VOO; conversely, when smaller stocks lead, total-market funds may pull ahead. This timing risk is inherent to the choice between large-cap and total-market.
  • Index tracking differences. ITOT, SCHB, and VTI track subtly different indexes (S&P Total Market, Dow Jones US Broad Market, and Morningstar US Total Market, respectively). Overlap is very high, but performance can diverge by basis points during market dislocations or index reconstitution.

Bottom line

All four charge 0.03%, so the decision hinges on whether you want pure large-cap (VOO) or total-market (the other three). If you want the broadest market exposure, VTI's $700B in assets and earliest inception make it the most established option; ITOT and SCHB offer the same broad reach at smaller scale. VOO wins if large-cap simplicity is your goal and you're comfortable ceding mid- and small-cap upside. Past performance does not predict future results.

AI-generated analysis for educational purposes only. Verify important details independently; past performance does not guarantee future results.

Learn the method

The metrics behind this comparison, explained in the Academy.

How to read a fund's stats How expense ratios eat returns Correlation between two funds

Still deciding? Compare them against your own portfolio

See how each ETF fits alongside your real holdings — forecast future income, analyze overlap, and gauge risk. Start a free 7-day Dividend Vision trial and make the call with your full portfolio in view.

Start Free Open in Comparator Browse Screener

These comparisons follow the Dividend Vision methodology.