ETF Versus

ITOT vs SCHA

iShares Core S&P Total U.S. Stock Market ETF vs Schwab U.S. Small-Cap ETF

Last updated: 2026-04-02

iShares Core S&P Total U.S. Stock Market ETF (ITOT) is an exchange-traded fund that provides exposure to the total U.S. stock market across all capitalizations. Launched in 2004, the fund has a 22-year track record.

AUM: N/A ER: N/A Yield: N/A Since: 2004-01-23

Schwab U.S. Small-Cap ETF (SCHA) is an exchange-traded fund that provides exposure to small-cap U.S. equities with higher growth potential and volatility. Launched in 2009, the fund has a 17-year track record.

AUM: N/A ER: N/A Yield: N/A Since: 2009-11-03

Quick Verdict

Over the past year, SCHA has significantly outperformed with a 23.1% return vs 16.3%.

Key Metrics

Metric ITOT SCHA
Expense Ratio N/A N/A
Dividend Yield N/A N/A
Fund Family N/A N/A
Category US Total Market US Small Cap

Performance Chart

Indexed to 100 at start (5-year comparison)

75 93 111 129 147 165 2021-04 2022-06 2023-09 2024-12 2026-04
ITOT +52.8%
SCHA +15.6%

Performance Comparison

Period ITOT SCHA Difference
1 Month -3.61% -2.75% -0.86%
3 Months -3.83% +1.91% -5.74%
6 Months -2.41% +3.60% -6.01%
YTD -3.83% +1.91% -5.74%
1 Year +16.30% +23.11% -6.81%
3 Years +57.97% +40.06% +17.91%
5 Years +52.82% +15.59% +37.23%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period ITOT Fees SCHA Fees You Save
$10,000 10 years $0 $0 $0
$10,000 20 years $0 $0 $0
$10,000 30 years $0 $0 $0
$50,000 10 years $0 $0 $0
$50,000 30 years $0 $0 $0
$100,000 30 years $0 $0 $0

Risk Metrics

Based on 5 years of daily returns

Metric ITOT SCHA
Annualized Volatility 17.4% 22.0%
Max Drawdown -26.2% -31.6%
Sharpe Ratio 0.32 0.04

Dividend Comparison

Metric ITOT SCHA
Annual Dividend (per share) $1.61 $0.34
Dividend Yield 1.13% 1.16%
Distribution Frequency Quarterly Quarterly

Which One Should You Choose?

Choose SCHA if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

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