ETF Versus

ITOT vs SCHB

iShares Core S&P Total U.S. Stock Market ETF vs Schwab U.S. Broad Market ETF

Last updated: 2026-04-02

ITOT iShares

iShares Core S&P Total U.S. Stock Market ETF (ITOT) is an exchange-traded fund issued by iShares that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.12%. Launched in 2004, the fund has a 22-year track record.

AUM: $77.6B ER: 0.03% Yield: 1.12% Since: Jan 20, 2004
SCHB Schwab

Schwab U.S. Broad Market ETF (SCHB) is an exchange-traded fund issued by Schwab that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.17%. Launched in 2009, the fund has a 17-year track record.

AUM: $36.0B ER: 0.03% Yield: 1.17% Since: Nov 3, 2009

Quick Verdict

Both funds have delivered similar 1-year returns (17.2% vs 17.1%), tracking closely.

Key Metrics

Metric ITOT SCHB
Expense Ratio 0.03% 0.03%
Dividend Yield 1.1% 1.2%
Fund Family iShares Schwab
Category US Total Market US Total Market

Performance Chart

Indexed to 100 at start (5-year comparison)

80 97 114 131 148 165 2021-04 2022-06 2023-09 2024-12 2026-04
ITOT +52.8%
SCHB +53.3%

Performance Comparison

Period ITOT SCHB Difference
1 Month -4.55% -4.60% +0.05%
3 Months -3.83% -3.84% +0.01%
6 Months -2.08% -2.09% +0.01%
YTD -3.83% -3.84% +0.01%
1 Year +17.17% +17.08% +0.09%
3 Years +57.97% +58.12% -0.15%
5 Years +52.82% +53.27% -0.45%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period ITOT Fees SCHB Fees You Save
$10.000 10 years $60 $60 $0
$10.000 20 years $258 $258 $0
$10.000 30 years $835 $835 $0
$50.000 10 years $299 $299 $0
$50.000 30 years $4.176 $4.176 $0
$100.000 30 years $8.352 $8.352 $0

Risk Metrics

Based on 5 years of daily returns

Metric ITOT SCHB
Annualized Volatility 17.4% 17.3%
Max Drawdown -26.2% -26.2%
Sharpe Ratio 0.32 0.32

Dividend Comparison

Metric ITOT SCHB
Annual Dividend (per share) $1.61 $0.30
Dividend Yield 1.13% 1.17%
Distribution Frequency Quarterly Quarterly

Top Holdings

9 of top 9 holdings overlap (100% overlap in top holdings)

ITOT Top Holdings

NameWeight
NVIDIA CorporationNVDA6.59%
Apple Inc.AAPL5.91%
Microsoft CorporationMSFT4.29%
Amazon.com, Inc.AMZN3.15%
Broadcom Inc.AVGO2.31%
Alphabet Inc.GOOG2.07%
Meta Platforms, Inc.META1.86%
Tesla, Inc.TSLA1.65%
Berkshire Hathaway Inc.BRK.B1.39%

SCHB Top Holdings

NameWeight
NVIDIA CorporationNVDA6.59%
Apple Inc.AAPL5.91%
Microsoft CorporationMSFT4.29%
Amazon.com, Inc.AMZN3.15%
Broadcom Inc.AVGO2.31%
Alphabet Inc.GOOG2.07%
Meta Platforms, Inc.META1.86%
Tesla, Inc.TSLA1.65%
Berkshire Hathaway Inc.BRK.B1.39%

Which One Should You Choose?

Either works if...

you just need broad us total market exposure. Both are solid options — pick whichever your brokerage offers commission-free.

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