ETF Versus

SCHD vs SCHF

Schwab U.S. Dividend Equity ETF vs Schwab International Equity ETF

Last updated: 2026-04-02

SCHD Schwab

Schwab U.S. Dividend Equity ETF (SCHD) is an exchange-traded fund issued by Schwab that provides exposure to U.S. dividend-paying stocks selected for yield or dividend growth. It charges a low expense ratio of 0.06%. The fund offers an attractive dividend yield of 3.46%. Launched in 2011, the fund has a 15-year track record.

AUM: N/A ER: 0.06% Yield: 3.46% Since: 2011-10-20
SCHF Schwab

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.

AUM: N/A ER: 0.06% Yield: 3.29% Since: 2009-11-03

Quick Verdict

Over the past year, SCHF has significantly outperformed with a 25.3% return vs 9.4%.

Key Metrics

Metric SCHD SCHF
Expense Ratio 0.06% 0.06%
Dividend Yield 3.5% 3.3%
Fund Family Schwab Schwab
Category US Dividend International Developed

Performance Chart

Indexed to 100 at start (5-year comparison)

70 85 100 115 130 145 2021-04 2022-06 2023-10 2024-12 2026-04
SCHD +23.3%
SCHF +29.0%

Performance Comparison

Period SCHD SCHF Difference
1 Month -3.43% -2.69% -0.74%
3 Months +10.01% +2.42% +7.59%
6 Months +11.58% +4.88% +6.70%
YTD +10.01% +2.42% +7.59%
1 Year +9.45% +25.25% -15.80%
3 Years +24.41% +42.08% -17.67%
5 Years +23.25% +29.04% -5.79%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SCHD Fees SCHF Fees You Save
$10,000 10 years $120 $120 $0
$10,000 20 years $515 $515 $0
$10,000 30 years $1,664 $1,664 $0
$50,000 10 years $598 $598 $0
$50,000 30 years $8,318 $8,318 $0
$100,000 30 years $16,637 $16,637 $0

Risk Metrics

Based on 5 years of daily returns

Metric SCHD SCHF
Annualized Volatility 14.6% 16.3%
Max Drawdown -18.9% -31.4%
Sharpe Ratio 0.05 0.12

Dividend Comparison

Metric SCHD SCHF
Annual Dividend (per share) $1.06 $0.82
Dividend Yield 3.46% 3.29%
Distribution Frequency Quarterly Semi-Annual or Annual

Which One Should You Choose?

Choose SCHF if...

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

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