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ETF Comparison

SCHG vs VTI: Which Is the Better Pick in 2026?

A head-to-head comparison of Schwab U.S. Large-Cap Growth ETF and Vanguard Total Stock Market ETF covering yield, cost, risk, and income potential.

Data updated July 15, 2026

ETFs34
Total AUM$574B

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

Schwab is known for offering low-cost, broad-based ETFs that serve both core portfolio holdings and specialized investment strategies. Their 33-fund lineup spans multiple asset classes including bonds, equities, international markets, digital assets, and factor-based strategies, with a notable emphasis on dividend-focused funds like SCHD alongside core index options. The issuer emphasizes accessibility for individual investors through competitive expense ratios and a diverse range of fund families designed to support various investment objectives.

See our curated list of related YouTube videos on SCHG.

ETFs115
Total AUM$4484B

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

Vanguard is known for offering low-cost, passively managed ETFs that emphasize broad market exposure and long-term investing. The company operates 175 ETFs across diverse fund families including Index, Bond, Equity, Dividend, Income, International, Factor, and ESG strategies, serving investors with various goals from core portfolio building to specialized income generation. Notable for its scale and popular tickers like VB (total U.S. small-cap), BND (total bond market), and VBIAX (international bonds), Vanguard focuses on providing comprehensive, index-based investment solutions with an emphasis on cost efficiency and accessibility.

See our curated list of related YouTube videos on VTI.

Side-by-side snapshot

SCHGVTI
Full nameSchwab U.S. Large-Cap Growth ETFVanguard Total Stock Market ETF
IssuerSchwabVanguard
Last Close$34.58 as of July 15, 2026$371.16 as of July 15, 2026
Distribution yield0.39%1.12%
Distribution Safety Score 100100
Expense ratio0.04%0.03%
AUM$58.4B$654B
Distribution frequencyQuarterlyQuarterly
Underlying indexDow Jones U.S. Large-Cap Growth Total Stock Market IndexCRSP US Total Market Index
ObjectiveCapital AppreciationTrack the CRSP US Total Market Index, representing the broad U.S. equity market.
Asset classEquityEquity
Inception date12/11/200905/24/2001
Beta1.211.0379
Last dividend$0.0340$1.0437
Ex-dividend date06/24/202606/26/2026

Bottom lineChoose SCHG if you want a growth tilt and can accept bigger swings for higher upside. Choose VTI if you want higher current income (1.12% vs 0.39% for SCHG).

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Visual comparison

Key metrics

Projected income on $10K

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

Quick verdict

SCHG (Schwab U.S. Large-Cap Growth ETF) and VTI (Vanguard Total Stock Market ETF) are both quarterly-pay dividend ETFs, but they take different approaches.

VTI offers the higher yield at 1.12% vs 0.39% for SCHG. A higher yield means more current income per dollar invested, though it may come with different risk characteristics.

VTI is cheaper with an expense ratio of 0.03% compared to 0.04%.

They track different benchmarks: SCHG is linked to Dow Jones U.S. Large-Cap Growth Total Stock Market Index while VTI tracks CRSP US Total Market Index, which means their performance drivers differ.

VTI is the larger fund by assets ($654B), which generally means tighter spreads and better liquidity.

Deep dive

Yield & income

On a $10,000 investment, SCHG would generate roughly $3.25/month, while VTI would produce $9.33/month, at current distribution rates. Both pay quarterly distributions.

SCHG yield0.39%
VTI yield1.12%
Monthly diff on $10K$6.08

Cost & efficiency

Over 10 years on $10,000, SCHG would cost approximately $40 in fees vs $30 for VTI (simplified, not compounded). The $10.00 difference may be offset by yield or performance.

SCHG ER0.04%
VTI ER0.03%

Strategy & risk

SCHG tracks Dow Jones U.S. Large-Cap Growth Total Stock Market Index with a capital appreciation approach, while VTI tracks CRSP US Total Market Index. Beta is 1.21 for SCHG and 1.0379 for VTI, indicating VTI is less volatile relative to the market.

SCHG beta1.21
VTI beta1.0379

Fund details

SCHG is managed by Schwab (launched 12/11/2009) with $58.4B in assets. VTI is managed by Vanguard (launched 05/24/2001) with $654B in assets.

SCHG AUM$58.4B
VTI AUM$654B

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Frequently asked questions

Is SCHG or VTI better for dividend income?

It depends on your goals. VTI currently offers the higher distribution yield, which means more income per dollar invested. However, a lower-yield fund may offer better total return or lower volatility. Consider your time horizon and risk tolerance.

What is the difference between SCHG and VTI?

SCHG (Schwab U.S. Large-Cap Growth ETF) tracks Dow Jones U.S. Large-Cap Growth Total Stock Market Index with a capital appreciation approach, while VTI (Vanguard Total Stock Market ETF) tracks CRSP US Total Market Index. They are issued by Schwab and Vanguard respectively.

Can I hold both SCHG and VTI?

Yes — nothing prevents holding both. 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 has lower fees, SCHG or VTI?

SCHG has an expense ratio of 0.04% while VTI charges 0.03%. Lower fees mean more of your investment returns stay in your pocket over time.

How much income does $10,000 in SCHG vs VTI generate?

At current rates, $10,000 in SCHG would generate roughly $3.25 per month ($39.00 annually). The same in VTI would produce about $9.33 per month ($112.00 annually).

More comparisons to explore

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