Wealthy PotSCHD vs VTI: A 100-Stock Screen Against the Whole US Market
VTI owns the whole US stock market, 3,507 companies weighted by size. SCHD tracks a 100-stock dividend screen. Holding SCHD instead of VTI is not a cheaper or higher-yielding version of the same portfolio, it is an active bet on one slice of the market. The screen structurally excludes most of the largest US technology companies: SCHD's entire technology sleeve is three stocks, and it owns no Nvidia, no Apple, no Microsoft, no Amazon, no Alphabet, no Broadcom and no Meta. That bet paid a 3.33% SEC yield against VTI's 1.01%, and it cost 2.67 percentage points a year of total return over the decade to 30 June 2026. SCHD for income you plan to spend, in a tax-sheltered account. VTI for the core.
Table of Contents
The Short Answer
- They are not substitutes. VTI's index "represents 100% of the investable U.S. stock market," in its prospectus's words. SCHD's index keeps exactly 100 names that survive a dividend-history screen and a four-factor fundamental ranking.
- The technology gap is the whole story. On Schwab's own GICS classification, SCHD is 12.16% Information Technology against 37.22% for a total-market fund from the same issuer on the same day. SCHD's tech holdings are Qualcomm, Texas Instruments and Accenture. That is the complete list.
- SCHD yields more. 3.33% SEC 30-day yield as of 24 September 2026, against VTI's 1.01% as of 31 August 2026.
- VTI has returned more. Over the ten years to 30 June 2026, VTI returned 15.04% a year at NAV and SCHD returned 12.37%. Over five years, 12.24% against 8.51%.
- Over one year the answer flips, and it keeps flipping. To 30 June 2026 SCHD led by 0.92 points. Two months later, to 31 August 2026, SCHD led by 9.21 points. Over three, five and ten years it trailed at both dates.
- The income has a tax bill. The gap between SCHD's before-tax and after-tax ten-year return is 0.92 points a year. VTI's is 0.46. Both figures are the issuers' own SEC-standardized numbers.
- VTI is cheaper. 0.03% against 0.06%, from each prospectus fee table.
- SCHD is more top-heavy than VTI. Its ten largest positions are 41.28% of the fund. VTI's ten largest lines are 32.03%.
These Two Funds Are Not Doing the Same Job
Most pages that put these two tickers side by side treat the choice as a trade between income and growth. That framing hides what is actually happening. One of these funds takes no view at all, and the other takes a very specific one.
VTI is the market. Its prospectus describes an index that "represents 100% of the investable U.S. stock market, as determined by the index provider," including "large-, mid-, small-, and micro-cap stocks regularly traded on the New York Stock Exchange and Nasdaq." Vanguard reports 3,507 stocks in the fund as of 31 August 2026. There is no screen, no ranking and no cap. If a company is listed and investable, you own it in proportion to its size.
SCHD is a filter. Its prospectus says the fund "generally invests in stocks that are included in the Dow Jones U.S. Dividend 100 Index," a "100-component index" that is "a subset of the Dow Jones U.S. Broad Market Index, excluding real estate investment trusts (REITs), master limited partnerships, preferred stocks and convertibles." Ninety-eight equity positions appeared in Schwab's published holdings file on 25 September 2026.
So the honest way to describe owning SCHD in place of VTI is this: you are declining to own roughly 3,400 US companies, and you are doing it on the basis of one characteristic, dividend behaviour, filtered through four accounting ratios. That may be a good decision. It is not a passive one.
SCHD's Screen, Rule by Rule
Almost nobody checks the rulebook, so here it is, quoted from S&P Dow Jones Indices' own Dow Jones Dividend Indices Methodology dated September 2026. The rules are unusually specific and they explain almost everything about how the fund behaves.
Step one, the universe.
"The index universe is defined as the constituents of the Dow Jones U.S. Broad Stock Market Index, excluding REITs (GICS: 6010 and 402040)."
Step two, three hard screens. Every candidate must clear all three:
"Minimum 10 consecutive years of dividend payments. Minimum FMC of US$ 500 million. Minimum three-month ADVT of US$ 2 million."
FMC is float-adjusted market capitalisation and ADVT is average daily value traded. The ten-year dividend requirement is the one that does the damage, and we come back to it in the next section.
Step three, cut the universe in half by yield.
"Stocks passing all three screens are ranked in descending order by IAD yield, defined as a stock's IAD (not including any special dividends) divided by its price. The top half of securities based on this ranking are eligible for stock selection."
Step four, rank the survivors on four ratios. The prospectus names them plainly: "cash flow to total debt, return on equity, dividend yield and 5-year dividend growth rate." The methodology adds that "the four rankings are summed to create a composite score," and then "the 100 top-ranked stocks by the composite score are selected to the index."
Step five, a loyalty buffer. Turnover would be brutal without it:
"The constituent stocks will remain in the index as long as they are among the top 200 rankings by the composite score. Non-constituent stocks are added to the index based on their rankings until the constituent count reaches 100."
Step six, the caps. This is the part that stops a 100-stock index turning into a handful of bets:
"Stocks in the index are weighted quarterly, based on a capped FMC weighted approach. No single stock can represent more than 4.0% of the index and no single Global Industry Classification Standard (GICS) sector can represent more than 25% of the index, as measured at the time of index construction, annual rebalancing, and quarterly updates. Any excess weight is proportionally redistributed to uncapped constituents of the relevant constraint."
Read the last clause of the first sentence carefully: the caps bind at the rebalance, not every day. Between rebalances, winners drift above 4%. On 25 September 2026 five holdings were over the cap: Qualcomm 4.93%, Texas Instruments 4.53%, Coca-Cola 4.13%, Procter & Gamble 4.11% and Merck 4.07%. There is one backstop, and it is a loose one:
"The index is subject to a daily weight cap check. If the sum of stocks with weights greater than 4.7% exceeds 22%, the index is re-weighted using the quarterly weighting method described above."
On that date only Qualcomm sat above 4.7%, so the total was 4.93% against a 22% trigger. Nothing fired. The drift stands until the next quarterly reweighting.
The index reconstitutes once a year. In S&P's words, the Dow Jones dividend indices "reconstitute annually, effective at the open of trading on the Monday following the third Friday of March," with weights reset quarterly in March, June, September and December. Dividend history is measured to the last business day of December and yield to the third Friday in February, so the list you own in July was decided on data from the previous winter.
What the Screen Leaves Out
Here is the consequence, and it is the single most important fact on this page. A company cannot enter SCHD's index without ten straight years of dividends. Most of the largest US technology companies either pay nothing or started paying far too recently to qualify. The screen does not dislike technology. It simply cannot see most of it.
Comparing sector weights across issuers is usually a trap, because Vanguard publishes its own eleven-bucket scheme (it calls the biggest one "Technology" and splits out "Telecommunications" and "Basic Materials") while Schwab uses GICS. So rather than force two different classifications together, the table below compares SCHD with SCHB, Schwab's own total-US-market ETF: same issuer, same GICS classification, same holdings date, computed from the two published holdings files.
| GICS sector | SCHD | Whole US market (SCHB) | Difference |
|---|---|---|---|
| Information Technology | 12.16% | 37.22% | -25.06 |
| Consumer Staples | 19.72% | 4.17% | +15.55 |
| Health Care | 18.89% | 9.82% | +9.07 |
| Energy | 15.24% | 3.52% | +11.72 |
| Industrials | 11.16% | 9.17% | +1.99 |
| Financials | 9.19% | 11.87% | -2.68 |
| Consumer Discretionary | 6.73% | 8.58% | -1.85 |
| Communication Services | 5.95% | 9.46% | -3.51 |
| Utilities | 0.09% | 1.85% | -1.76 |
| Materials | 0.00% | 1.98% | -1.98 |
| Real Estate | 0.00% | 2.05% | -2.05 |
| Cash and unclassified | 0.88% | 0.33% | |
| Lines in the file | 102 | 2,397 |
Vanguard's own figure for VTI, on Vanguard's own scheme as of 31 August 2026, is 40.90% Technology, with Consumer Discretionary 12.00%, Industrials 11.80%, Financials 10.40% and Health Care 9.50%. That 40.90% is not directly comparable with the 12.16% above, because Vanguard's bucket is wider than GICS Information Technology. It points the same way.
If you want the version that needs no classification argument at all, look at the holdings themselves.
| Largest US companies | In VTI? | In SCHD? |
|---|---|---|
| Nvidia | Yes, 6.36% | No |
| Apple | Yes, 5.87% | No |
| Microsoft | Yes, 3.83% | No |
| Amazon.com | Yes, 3.19% | No |
| Alphabet (both classes) | Yes, 5.18% | No |
| Broadcom | Yes, 2.47% | No |
| Meta Platforms | Yes, 1.71% | No |
| Tesla | Yes, 1.64% | No |
| SCHD's complete technology sleeve | Qualcomm 4.93%, Texas Instruments 4.53%, Accenture 2.71% |
Now the part that surprises people. The 100-stock fund is more concentrated at the top than the 3,500-stock fund. SCHD's ten largest positions were 41.28% of assets on 25 September 2026. VTI's ten largest lines were 32.03% at 30 June 2026. The 4% cap limits any single name, but with only 100 names and a modified market-cap weighting, the top of the book is crowded either way.
SCHD also owns nothing at all in Materials and nothing in Real Estate. The REIT exclusion is written into the index rules. The Materials gap is not a rule, just an outcome of the ranking.
SCHD vs VTI Side by Side
| SCHD | VTI | |
|---|---|---|
| Full name | Schwab U.S. Dividend Equity ETF | Vanguard Morningstar Total Stock Market ETF |
| Index | Dow Jones U.S. Dividend 100 Index | Morningstar US Total Market Index |
| What it holds | 100-stock dividend screen | The whole investable US market |
| Holdings | 102 lines (98 stocks, a money-market fund, cash, two zero-weight futures), 25 Sep 2026 | 3,507 stocks, 31 Aug 2026 |
| Expense ratio | 0.06% | 0.03% |
| Prospectus 10-year cost on $10,000 | $77 | $39 |
| SEC 30-day yield | 3.33% (24 Sep 2026) | 1.01% (31 Aug 2026) |
| Distribution yield, trailing 12 months | 3.00% (31 Aug 2026) | not published in this form |
| Net assets | $109.56bn (25 Sep 2026) | $690.1bn in the ETF share class, $2.3tn across the whole fund (31 Aug 2026) |
| Top 10 weight | 41.28% (25 Sep 2026) | 32.03% (30 Jun 2026, SEC filing) |
| Weighted average / median market cap | $180.69B weighted average | $348.3B median |
| Price / earnings | 19.57 | 24.7x |
| Price / book | 3.89 | 4.8x |
| Return on equity | 27.76% | 25.2% |
| Portfolio turnover | 30% in the fiscal year to 31 Aug 2025 (prospectus); 39.60% as of 31 Aug 2026 (fund page) | 3% in the fiscal year to 31 Dec 2025 |
| 30-day median bid-ask spread | 0.03% | 0.005% |
| Distributions | Quarterly | Quarterly, in March, June, September and December |
| Inception | 20 October 2011 | 24 May 2001 |
| Exchange | NYSE Arca | NYSE Arca |
The turnover line deserves a note. SCHD replaces roughly a third of its portfolio a year because the index reconstitutes and reweights on a schedule. VTI replaced 3% of its portfolio in its last fiscal year, because a total-market index has very little to do. Inside an ETF wrapper most of that is handled in kind and does not create a taxable distribution, but it is a real difference in how much work each fund does.
Yield Is Not Total Return
SCHD pays more than three times the income. Whether that has made you richer is a separate question, and the answer depends heavily on which window you pick. Both issuers publish average annual total returns at NAV as of 30 June 2026, so the comparison below is date-matched and share-class-matched.
| Annualized at NAV, as of 30 June 2026 | 1 year | 3 years | 5 years | 10 years |
|---|---|---|---|---|
| SCHD, before taxes | 24.08% | 13.52% | 8.51% | 12.37% |
| VTI, before taxes | 23.16% | 20.43% | 12.24% | 15.04% |
| SCHD minus VTI | +0.92 | -6.91 | -3.73 | -2.67 |
Now move the window forward by two months and watch the one-year number move.
| Annualized at NAV, as of 31 August 2026 | 1 year | 3 years | 5 years | 10 years |
|---|---|---|---|---|
| SCHD | 29.45% | 16.18% | 10.01% | 13.17% |
| VTI | 20.24% | 20.65% | 11.71% | 14.81% |
| SCHD minus VTI | +9.21 | -4.47 | -1.70 | -1.64 |
Be honest about what these two tables say together. Over the last decade, the whole market beat the dividend screen by roughly 1.6 to 2.7 percentage points a year, depending on the measurement date. Over the last year, on both dates, the dividend screen won. A strategy that owns almost no megacap technology will lag when megacap technology leads and lead when it does not. Neither table tells you which of those the next decade holds.
What the ten-year gap compounds to, for context:
| Hypothetical $10,000 held for 10 years | Ending value |
|---|---|
| At SCHD's 10-year return to 30 Jun 2026 (12.37%) | $32,100 |
| At VTI's 10-year return to 30 Jun 2026 (15.04%) | $40,597 |
| Difference | about $8,497 |
| Same exercise on the after-tax returns (11.45% and 14.58%) | $29,567 and $39,002, a gap of about $9,436 |
This is educational information, not personalized investment advice. Past performance does not guarantee future results, all investing carries the risk of loss, and the figures above are backward-looking arithmetic rather than a projection. Verify current figures with each issuer and consider speaking with a licensed advisor before acting.
Want to run the same maths on your own contribution schedule? Use the compound interest calculator.
What the Extra Income Costs in a Taxable Account
A dividend is a taxable event whether you want the cash or not. A capital gain you have not sold is not. That is the entire argument, and both issuers are required to quantify it.
First, what kind of dividend. Schwab's prospectus for its US equity ETFs says each fund's "net investment income and short-term capital gains are distributed as dividends and will be taxable as ordinary income or qualified dividend income." Vanguard's ETF prospectus says the same thing from the other direction: if you "meet certain holding-period requirements with respect to your Fund shares, you may be eligible for reduced tax rates on 'qualified dividend income,' if any." So both funds can pay qualified dividends taxed at long-term capital gains rates, subject to holding-period rules. Neither prospectus states what share of a given year's distributions actually qualified, so we are not going to put a percentage on it.
What we can measure is the drag itself, using each issuer's SEC-standardized before-tax and after-tax returns on the same date.
| Annualized at NAV, as of 30 June 2026 | 1 year | 3 years | 5 years | 10 years |
|---|---|---|---|---|
| SCHD before taxes | 24.08% | 13.52% | 8.51% | 12.37% |
| SCHD after taxes on distributions | 22.68% | 12.42% | 7.54% | 11.45% |
| SCHD tax drag | 1.40 | 1.10 | 0.97 | 0.92 |
| VTI before taxes | 23.16% | 20.43% | 12.24% | 15.04% |
| VTI after taxes on distributions | 22.75% | 20.02% | 11.85% | 14.58% |
| VTI tax drag | 0.41 | 0.41 | 0.39 | 0.46 |
SCHD gave up about twice as much to tax as VTI did, at every horizon shown. Over ten years the drag was 0.92 points a year against 0.46. That is roughly fifteen times the fee difference between the two funds, and it lands only in a taxable brokerage account.
The practical consequences:
- In an IRA, Roth IRA or 401(k), none of this applies. Distributions inside the account are not taxed, so SCHD's yield costs nothing extra. If you want the dividend screen, this is where to put it.
- In a taxable account, you are paying tax on income you may not want. A 3.33% yield on a $200,000 position throws off roughly $6,660 a year of reportable distributions whether or not you spend a penny of it. VTI's 1.01% throws off roughly $2,020. That arithmetic is ours and assumes the yields hold, which they will not exactly.
- The 3.8% net investment income tax applies on top for higher earners. Both prospectuses flag it. Check your 2026 tax bracket before assuming a dividend strategy is cheap.
- Switching is itself taxable. If you already hold a long-standing SCHD position at a gain, selling it to buy VTI realises that gain today. Redirecting new contributions is the version of the idea that costs nothing.
VTI Changed Its Name in July 2026
If you looked VTI up recently and saw a name you did not recognise, this is why. Vanguard filed a supplement dated 29 July 2026:
"Morningstar, Inc. ('Morningstar') has announced the acquisition of the Center for Research in Security Prices ('CRSP') and its CRSP Market Indexes. As a result of these changes, the board of trustees of Vanguard Index Funds has approved the renaming of Vanguard Total Stock Market Index Fund ... The name changes are effective as of July 29, 2026. Each Fund's investment objective, strategies, and polices remain unchanged."
So the ETF share class is now the Vanguard Morningstar Total Stock Market ETF, and its target index is the Morningstar US Total Market Index, previously the CRSP US Total Market Index. Nine other Vanguard index funds were renamed the same day for the same reason.
What did not change: the ticker is still VTI, the CUSIP is still 922908769, the expense ratio is still 0.03%, and the fund still samples an index that represents the entire investable US market. Vanguard's own supplement says the objective, strategies and policies are unchanged. Vanguard's April 2026 prospectus still prints the old CRSP name because it predates the supplement, which is why plenty of comparison pages still have it wrong.
Which One Fits You
VTI belongs in the core, for almost everybody. It is half the price, it has returned more over three, five and ten years, it hands you a far smaller tax bill in a taxable account, and it requires no view about which companies will keep raising dividends. If you are building a portfolio and want one US equity holding, this is the default, and the burden of proof sits with anything you put in its place.
SCHD makes sense when you actually want the cash. A retiree drawing income who prefers to spend distributions rather than sell shares gets 3.33% against 1.01%, and a portfolio of profitable, long-paying, lower-multiple companies to produce it. The lower price-to-earnings ratio and the absence of the megacap technology block are the point, not a flaw, if you are deliberately reducing exposure to it.
If you hold SCHD, hold it in a tax-sheltered account where you can. The measured 0.92-point annual after-tax gap is the strongest single argument on this page, and it disappears entirely inside an IRA or a 401(k).
Owning both is a legitimate answer, but size it deliberately. SCHD is not a diversifier bolted onto VTI, it is a tilt: adding 20% SCHD to an 80% VTI core moves you a few points away from technology and towards staples, health care and energy. That is a choice about factor exposure. Make it on purpose, not because the yield looks attractive on a screen.
Do not switch a taxable position on autopilot. Selling a long-held position realises the gain today, and a 2.67-point annual edge takes time to outweigh a capital gains bill. New contributions are the low-friction lever.
If you are still deciding what the dividend sleeve should be, we compare SCHD with the S&P 500 in SCHD vs VOO, with Vanguard's high-yield fund in VYM vs SCHD, and with the dividend-growth approach in DGRO vs SCHD. For the total-market side, SCHB vs VTI covers the near-identical Schwab alternative and VTI vs VOO covers whether you need the small caps at all.
Sources & Methodology
Every figure on this page was read from the issuer's own filing or fund page, or from the index provider, not from a secondary summary or another comparison site.
- Schwab Strategic Trust, Form 485BPOS filed 22 December 2025: the SCHD fund summary, the 0.06% fee table and $10,000 cost example, the index description and rule summary, the 30% portfolio turnover, the distribution schedule, the tax language, and the average annual total returns to 31 December 2024.
- Schwab Strategic Trust, Form 497 supplement dated 11 June 2026: the advisory fee schedule confirming SCHD's management fee is still 0.06% after the June 2026 fee cuts to other Schwab ETFs.
- Schwab Asset Management, SCHD fund page: net assets, holdings count, SEC 30-day yield, distribution yield, bid-ask spread, portfolio characteristics, and the standardized quarterly, monthly and after-tax return tables.
- Schwab Asset Management, SCHD holdings and the equivalent file for SCHB, both as of 25 September 2026: every sector weight, top-ten weight and individual position quoted here was summed from those files.
- S&P Dow Jones Indices, Dow Jones Dividend Indices Methodology, September 2026: every quoted index rule, including the universe definition, the three screens, the top-half yield cut, the four-factor composite score, the top-200 buffer, the 4.0% and 25% caps, the daily weight cap check and the March reconstitution.
- S&P Dow Jones Indices, Dow Jones U.S. Dividend 100 Index: the index description and its 31 August 2011 launch date.
- Vanguard Index Funds, Form 485BPOS filed 28 April 2026: the VTI ETF Shares fee table at 0.03%, the $10,000 cost example, the index description, the 3% portfolio turnover, the distribution schedule, the tax language, and the average annual total returns to 31 December 2025.
- Vanguard, Form 497 supplement dated 29 July 2026: the fund and index renaming following Morningstar's acquisition of CRSP.
- Vanguard Total Stock Market Index Fund, Form NPORT-P for the period ended 30 June 2026: net assets of $2,297,839,156,547.89, 3,546 holdings lines, and the top-ten weights quoted above.
- Vanguard, VTI profile page: expense ratio, number of stocks, net assets, SEC 30-day yield, bid-ask spread, portfolio characteristics, sector weights and the average annual returns to 31 August 2026.
- Vanguard, VTI distributions page: the quarterly before-tax and after-tax returns to 30 June 2026, read on the NAV basis so they match Schwab's NAV figures.
What we could not verify, stated rather than guessed. Vanguard's own holdings panel for VTI returned "This information is temporarily unavailable" throughout, so VTI's top-ten weights come from the 30 June 2026 SEC filing and are three months older than SCHD's 25 September 2026 holdings file. Vanguard does not publish GICS sector weights for VTI, which is why the sector table uses Schwab's own total-market fund SCHB as the GICS yardstick rather than forcing two incompatible classifications together; Vanguard's 40.90% "Technology" figure is on Vanguard's own scheme and is reported separately. The two SEC 30-day yields are 24 days apart because that is the most recent figure each issuer publishes. Neither prospectus states what percentage of either fund's distributions was qualified dividend income in any given year, so no such percentage appears here. Schwab's holdings file shows 98 equity positions against a 100-component index, and we did not establish the reason. Neither issuer attributes any part of the return gap to sector positioning, so nothing on this page claims a measured attribution.
This article is for general education and is not investment, tax or legal advice. Fund data changes daily, index returns are unmanaged and cannot be invested in directly, and past performance does not guarantee future results. All investing carries the risk of loss. Check current figures with the issuer and consider speaking with a licensed financial professional before making a decision.
FAQ: SCHD vs VTI
Is SCHD better than VTI?
For total return over the last decade, no. VTI returned 15.04% a year at NAV over the ten years to 30 June 2026 against SCHD's 12.37%, and it charges half as much. SCHD is better if what you want is income you plan to spend: 3.33% SEC yield against 1.01%. They are answers to different questions, not two versions of the same fund.
Can I hold both SCHD and VTI?
Yes, and many people do. Understand that you are not adding a new asset class, you are tilting your existing US exposure away from technology and towards consumer staples, health care and energy. SCHD's holdings are a subset of the market VTI already owns, so the overlap is total in one direction: every SCHD stock sits inside VTI, at a much smaller weight.
Why does SCHD own almost no technology?
Because its index requires "at least 10 consecutive years of dividend payments" before a company is even eligible, then keeps only the top half of survivors by dividend yield. Most of the largest US technology companies pay nothing or began paying too recently to clear that bar. SCHD's complete technology sleeve on 25 September 2026 was Qualcomm, Texas Instruments and Accenture.
How many stocks does each fund hold?
Vanguard reported 3,507 stocks in VTI as of 31 August 2026. Schwab's published file for SCHD on 25 September 2026 contained 102 lines: 98 equities, a money-market fund, a dollar cash line and two zero-weight futures contracts, against a 100-component index.
Is SCHD more concentrated than VTI?
At the top, yes. SCHD's ten largest positions were 41.28% of the fund on 25 September 2026. VTI's ten largest lines were 32.03% at 30 June 2026. SCHD's index caps any single stock at 4.0% and any GICS sector at 25%, but those caps are measured at rebalance, so weights drift above them in between. Five SCHD holdings were above 4% on that date.
Is SCHD good for a taxable account?
It is the less efficient of the two there. Over the ten years to 30 June 2026 SCHD's return fell from 12.37% to 11.45% after tax on distributions, a drag of 0.92 points a year. VTI's fell from 15.04% to 14.58%, a drag of 0.46. Both figures assume the highest federal marginal rates. Inside an IRA or 401(k) the difference vanishes.
Are SCHD's dividends qualified?
They can be. Schwab's prospectus says distributions from its US equity ETFs "will be taxable as ordinary income or qualified dividend income," and Vanguard says the same about VTI, in both cases subject to holding-period requirements on your shares. Neither issuer publishes the percentage that qualified in a given year, so treat any specific figure you see elsewhere with suspicion.
What is VTI's index now that CRSP was acquired?
The Morningstar US Total Market Index. Vanguard's supplement dated 29 July 2026 renamed both the fund and its target index after Morningstar acquired CRSP, and states that the fund's "investment objective, strategies, and polices remain unchanged." The ticker, CUSIP and 0.03% fee are unchanged. The ETF share class is now called the Vanguard Morningstar Total Stock Market ETF.
Which is better for a Roth IRA, SCHD or VTI?
A Roth removes the tax objection to SCHD entirely, so this becomes a pure question of what you want to own. If the Roth is long-term growth money, VTI's lower fee and broader ownership make it the easier default. If you want a dividend tilt anywhere in your portfolio, the Roth is the right place to put it.
Cite This Page
Journalists, educators and bloggers are welcome to cite this comparison. Please link back so readers can reach the underlying filings.
"SCHD vs VTI: A 100-Stock Screen Against the Whole US Market." Wealthy Pot, 2026. https://wealthypot.com/schd-vs-vti/
Related comparisons: SCHD vs VOO · VYM vs SCHD · DGRO vs SCHD · VIG vs SCHD · SCHB vs VTI · VTI vs VOO · ITOT vs VTI · All ETF comparisons