ETF Versus

ITOT vs SCHB

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

Last updated: 2026-04-10

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 1.08%. Launched in 2004, the fund has a 22-year track record.

AUM: $83.3B ER: 0.03% Yield: 1.08% 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 1.13%. Launched in 2009, the fund has a 17-year track record.

AUM: $38.5B ER: 0.03% Yield: 1.13% Since: Nov 3, 2009

Quick Verdict

Both funds have delivered similar 1-year returns (30.3% vs 30.1%), tracking closely.

Key Metrics

Metric ITOT SCHB
Expense Ratio 0.03% 0.03%
Dividend Yield 1.1% 1.1%
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 2022-07 2023-10 2025-01 2026-04
ITOT +56.7%
SCHB +57.1%

Performance Comparison

Period ITOT SCHB Difference
1 Month +0.76% +0.69% +0.07%
3 Months -2.14% -2.24% +0.10%
6 Months +2.54% +2.54% +0.00%
YTD -0.23% -0.27% +0.04%
1 Year +30.31% +30.09% +0.22%
3 Years +64.58% +64.72% -0.14%
5 Years +56.66% +57.06% -0.40%

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 0.35 0.35

Dividend Comparison

Metric ITOT SCHB
Annual Dividend (per share) $1.61 $0.30
Dividend Yield 1.08% 1.12%
Distribution Frequency Quarterly Quarterly

Top Holdings

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

ITOT Top Holdings

NameWeight
NVIDIA CorporationNVDA6.72%
Apple Inc.AAPL5.78%
Microsoft CorporationMSFT4.22%
Amazon.com, Inc.AMZN3.28%
Broadcom Inc.AVGO2.53%
Alphabet Inc.GOOG2.24%
Meta Platforms, Inc.META2.04%
Tesla, Inc.TSLA1.47%
Berkshire Hathaway Inc.BRK.B1.34%

SCHB Top Holdings

NameWeight
NVIDIA CorporationNVDA6.76%
Apple Inc.AAPL5.81%
Microsoft CorporationMSFT4.32%
Amazon.com, Inc.AMZN3.26%
Broadcom Inc.AVGO2.47%
Alphabet Inc.GOOG2.22%
Meta Platforms, Inc.META1.96%
Tesla, Inc.TSLA1.52%
Berkshire Hathaway Inc.BRK.B1.37%

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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