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ETF Overlap Tool: SCHB vs VTI

Compare portfolio holdings overlap, sector weightings, and expense ratio differences between Schwab U.S. Broad Market ETF (SCHB) and Vanguard Total Stock Market Index Fund ETF Shares (VTI).

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ETF Overlap Overview & Key Metrics
SCHB (2,450 Total) VTI (3,600 Total) ONLY IN SCHB 20 Stocks (53.6% Weight) EXTREME PORTFOLIO OVERLAP 2,430 Shared Stocks (83.2%) 98.5% Weight Duplication ONLY IN VTI 1,170 Stocks (53.6% Weight)
Overlap by Weight
98.5%
⚡ Extreme Broad Market Overlap
Expense Ratio Gap
0.03% vs 0.03%
Identical Expense Ratios (0.03%)
Unique Holdings
419 vs 1,170 Stocks
~53.6% Weight Difference
Sector Allocation Breakdown
Information Technology
35.47%
Financials
12.45%
Consumer Discretionary
9.68%
Healthcare
9.5%
Industrials
9.47%
Communication Services
9.4%
Consumer Staples
4.34%
Energy
3.42%
Real Estate
2.33%
Utilities
2.08%
Materials
1.85%
Information Technology
35.06%
Financials
12.55%
Healthcare
9.85%
Industrials
9.62%
Consumer Discretionary
9.49%
Communication Services
9.15%
Consumer Staples
4.39%
Energy
3.54%
Real Estate
2.39%
Utilities
2.13%
Materials
1.84%

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Stock Holdings Breakdown (SCHB vs VTI)

73 Assets
Asset Sector SCHB Weight VTI Weight Combined (50/50) Status
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Showing 1 to 20 of 73 holdings

SCHB vs VTI: Portfolio Overlap & Investment Strategy Guide

When evaluating Schwab U.S. Broad Market ETF (SCHB) versus Vanguard Total Stock Market Index Fund ETF Shares (VTI), investors are comparing two distinct ETF strategies. SCHB holds 0 total assets while VTI contains 0 total assets. Across both portfolios, they share 45 common stock holdings, representing a 98.5% portfolio overlap by weight.

Sector Concentration & Shared Stock Holdings

While both funds invest in equity markets, their internal sector allocations create meaningful differences in portfolio performance and volatility:

  • Primary Sector Focus: SCHB concentrates its largest allocation in Information Technology (35.47%), whereas VTI allocates its highest weighting to Information Technology (35.06%).
  • Top Shared Holdings: Key overlapping stocks held in both funds include NVIDIA Corporation (NVDA), Apple Inc (AAPL), Microsoft Corporation (MSFT), Amazon.com, Inc (AMZN).
  • Holdings Distribution: SCHB features 0 holdings compared to 0 holdings in VTI, affecting single-stock concentration risk.

Strategic Portfolio Insight: High Overlap & Concentration Risk

Holding both SCHB and VTI results in significant portfolio duplication with a 98.5% weight overlap. Because a major portion of performance is driven by identical holdings across both funds, owning both simultaneously creates high redundancy without providing meaningful diversification.

Expense Ratio Comparison & Performance: SCHB vs VTI

Beyond portfolio holdings overlap, fund management fees, dividend yields, and sector diversification play a vital role in long-term compounding returns:

1. Annual Management Fee Impact

Both SCHB and VTI offer competitive expense ratios of 0.03% and 0.03% respectively, keeping annual management costs low for long-term buy-and-hold investors.

2. Volatility, Risk & Long-Term Growth Potential

SCHB and VTI react differently to changing interest rates, market cycles, and sector rotations. Diversifying across funds with different underlying indexes helps reduce portfolio drawdown risk during broader market corrections.

Snowball Portfolio Lab Insight

Want to analyze how combining SCHB and VTI impacts your total portfolio yield, sector distribution, and historical dividend income? Model your custom asset allocation in the Snowball Analytics Portfolio Lab.

Frequently Asked Questions: SCHB vs VTI ETF Overlap
What is the portfolio overlap percentage between SCHB and VTI?
Schwab U.S. Broad Market ETF (SCHB) and Vanguard Total Stock Market Index Fund ETF Shares (VTI) have a 98.5% overlap by weight and share 45 identical stock holdings. SCHB holds 0 total assets while VTI holds 0 total assets.
What is the main difference between SCHB and VTI?
The main difference between SCHB and VTI lies in sector allocation, expense ratio, and portfolio breadth:
  • Sector Focus: SCHB's largest sector is Information Technology (35.47%), whereas VTI's largest sector is Information Technology (35.06%).
  • Expense Ratio: SCHB charges an expense ratio of 0.03%, while VTI charges 0.03%.
  • Portfolio Breadth: SCHB holds 0 total stocks vs VTI's 0 stocks.
Is it good to hold both SCHB and VTI in the same portfolio?
Holding both SCHB and VTI results in a 98.5% portfolio weight overlap across 45 common holdings. Because SCHB and VTI have a high portfolio weight overlap of 98.5%, holding both creates significant redundancy. Investors often select one primary fund as a core asset rather than duplicating holdings.
Which ETF has lower management expense fees: SCHB or VTI?
SCHB charges an expense ratio of 0.03%, while VTI charges 0.03%.
Which ETF is better for long-term investors: SCHB or VTI?
The ideal choice depends on your investment strategy: SCHB (0.03% expense ratio) provides exposure to Schwab U.S. Broad Market ETF, while VTI (0.03% expense ratio) offers exposure to Vanguard Total Stock Market Index Fund ETF Shares. Comparing sector concentration and historical volatility helps align your choice with long-term goals.
Do SCHB and VTI pay dividends?
Yes, both SCHB and VTI pay quarterly dividend distributions to shareholders derived from underlying dividend payments of portfolio companies.