SCHA vs SCHF
Schwab U.S. Small-Cap ETF vs Schwab International Equity ETF
Last updated: 2026-04-02
Schwab U.S. Small-Cap ETF (SCHA) is an exchange-traded fund issued by Schwab that provides exposure to small-cap U.S. equities with higher growth potential and volatility. It charges a very low expense ratio of 0.04%. The fund offers a moderate dividend yield of 1.16%. Launched in 2009, the fund has a 17-year track record.
Schwab International Equity ETF (SCHF) is an exchange-traded fund issued by Schwab that provides exposure to equities in developed international markets outside the U.S.. It charges a low expense ratio of 0.06%. The fund offers an attractive dividend yield of 3.29%. Launched in 2009, the fund has a 17-year track record.
Quick Verdict
SCHA has a slightly lower expense ratio (0.04% vs 0.06%), saving about $40 per $10,000 over 10 years. SCHF has edged ahead over the past year (25.3% vs 23.3%). Income investors may prefer SCHF for its higher yield (3.3% vs 1.2%).
Key Metrics
Performance Chart
Indexed to 100 at start (5-year comparison)
Performance Comparison
Fee Impact Over Time
Estimated fee cost difference assuming 8% annual returns
Risk Metrics
Based on 5 years of daily returns
Dividend Comparison
Which One Should You Choose?
Choose SCHA if...
you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.
Choose SCHF if...
you prioritize dividend income and want higher regular distributions from your portfolio.