Compare · 3 funds side by side · dividends reinvested

SPY, SCHD and VTI

Story of the three · Growth5Y$10,000 five years agoDividends reinvested · all three on one scale$17,118SPY · best of the three

02 / 04

SPY, SCHD and VTI, Ranked

Today

FundFeeYieldYTD1 year3 yrs · yr5 yrs · yrWorst dropVolatilityAssetsAvg rank

Schwab U.S. Dividend Equity ETFIncome · Dividend stocks0.06%3.00%+31.4%+37.0%+20.0%+10.2%−6.9%11.7%$120B1.6

Vanguard Morningstar Total Stock Market ETFLow-Cost Core · Total US market0.03%1.09%+8.9%+9.9%+21.7%+10.4%−8.9%13.7%$689B2.1

State Street SPDR S&P 500 ETFLow-Cost Core · S&P 5000.09%1.03%+8.7%+9.7%+21.7%+11.3%−8.9%13.6%$819B2.3

Rank among the three1st → 3rdFee, drop and volatility: lower ranks higherAvg rank: mean of the 8 ranks · 1 is best

End-of-day Nov 6, 2026 · returns include dividends · since: SPY 1993 · SCHD 2011 · VTI 2001

Head to Head

Swap sides Versus in desk

Head to Head

State Street SPDR S&P 500 ETF · $819B$17,118

SPY

SCHD

Schwab U.S. Dividend Equity ETF · $120B$16,267

$10,000 five years ago, dividends reinvested · they hold 8.7% in common

SPYMeasureSCHD

+8.7%Year to dateJan 1 → Nov 6+31.4%

+9.7%1 yearTotal return+37.0%

+21.7%3 years · per year$10,000 became $18,039 · $17,266+20.0%

+11.3%5 years · per year$10,000 became $17,118 · $16,267+10.2%

0.09%Expense ratio$9 · $6 a year on $10k · lower is better0.06%

1.03%Trailing 12-mo yield$103 · $300 a year on $10k3.00%

−8.9%Worst dropSmaller is better−6.9%

13.6%VolatilityLower is calmer11.7%

SPYSCHD Winner of the row, in its colourEach row: the bigger of the two fills its side

2–6SCHD wins

End-of-day Nov 6, 2026 · returns include dividends · 3Y and 5Y figures are per-year returns

More Ways to See the Pairs

SPY vs SCHD: Top 5 Holdings

Today

SPY

27.8%in top 5

SCHD

in top 521.4%

SPYStockSCHD

7.9%AAPLnot top 5

6.9%NVDAnot top 5

6.3%MSFTnot top 5

not top 5PG4.5%

not top 5HD4.3%

not top 5TXN4.3%

not top 5KO4.3%

not top 5AMGN4.1%

4.0%AMZNnot top 5

2.6%GOOGLnot top 5

Held in common8.7%

End-of-day Nov 6, 2026 · share of each fund

SPY vs SCHD Returns, Every Period

SPDRSPY

+11.3%

5 years, per year

SCHDSchwab

+10.2%

5 years, per year

SPYSCHDFaded: behind in that period

2–2Level

End-of-day Nov 6, 2026 · dividends in · faded = behind in that period

Core vs Income: SPY vs SCHD

YTD

SPDRSPY

+8.7%

SCHDSchwab

+31.4%

+8.7%Year to date+31.4%

−8.9%Worst drop · 1Y−6.9%

13.6%Volatility · 1Y11.7%

1.0%Yield3.0%

$819BAssets$120B

4–0SCHD wins

End-of-day Nov 6, 2026 · smaller drop and lower volatility win

Cost, Income and Risk

Fees: SPY, SCHD, VTI

Today

0.03%lowest, VTI

FundExpense ratioFee$10k

VTI0.03%$3

SCHD0.06%$6

SPY0.09%$9

End-of-day Nov 6, 2026 · fee on $10,000 a year

Yields: SPY, SCHD, VTI

3.00%highest, SCHD

FundTrailing yieldYield$10k

SCHD3.00%$300

VTI1.09%$109

SPY1.03%$103

End-of-day Nov 6, 2026 · trailing 12-month yield

Income After Fees on $10,000

$294most kept, SCHD

SCHD$300 − $6 = $294

VTI$109 − $3 = $106

SPY$103 − $9 = $94

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee

Overlap: SPY, SCHD, VTI

Today

85.5%most shared, SPY and VTI

SPYSCHDVTI

SPY—8.7%85.5%

SCHD8.7%—7.1%

VTI85.5%7.1%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Return vs Bumpiness: 3 ETFs

+37.0%SCHD, at 11.7% volatility

SCHDWorst drop−6.9%11.7% vol

SPYWorst drop−8.9%13.6% vol

VTIWorst drop−8.9%13.7% vol

End-of-day Nov 6, 2026 · up and left is better

Paid More vs Made More

YTD

SCHDVTI

+31.4%Year to date+8.9%

3.0%Yield1.1%

+37.0%Past year+9.9%

0.06%Fee0.03%

3–1SCHD wins

End-of-day Nov 6, 2026

Popular Pairs Near These Three

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$92.8B

2–0VTI wins

End-of-day Nov 6, 2026