ETF Versus

SCHE vs SCHH

Schwab Emerging Markets Equity ETF vs Schwab U.S. REIT ETF

Last updated: 2026-04-02

SCHE Schwab

Schwab Emerging Markets Equity ETF (SCHE) is an exchange-traded fund issued by Schwab that provides exposure to stocks in emerging market economies with higher growth potential. It charges a low expense ratio of 0.11%. The fund offers an attractive dividend yield of 2.87%. Launched in 2010, the fund has a 16-year track record.

AUM: N/A ER: 0.11% Yield: 2.87% Since: 2010-01-14
SCHH Schwab

Schwab U.S. REIT ETF (SCHH) is an exchange-traded fund issued by Schwab that provides exposure to U.S. real estate investment trusts (REITs) and real estate companies. It charges a low expense ratio of 0.07%. The fund offers an attractive dividend yield of 2.99%. Launched in 2011, the fund has a 15-year track record.

AUM: N/A ER: 0.07% Yield: 2.99% Since: 2011-01-13

Quick Verdict

SCHH has a slightly lower expense ratio (0.07% vs 0.11%), saving about $79 per $10,000 over 10 years. Over the past year, SCHE has significantly outperformed with a 18.3% return vs 0.7%.

Key Metrics

Metric SCHE SCHH
Expense Ratio 0.11% 0.07%
Dividend Yield 2.9% 3.0%
Fund Family Schwab Schwab
Category Emerging Markets US Real Estate

Performance Chart

Indexed to 100 at start (5-year comparison)

65 77 89 101 113 125 2021-04 2022-06 2023-10 2024-12 2026-04
SCHE +2.1%
SCHH +3.8%

Performance Comparison

Period SCHE SCHH Difference
1 Month -2.32% -5.26% +2.94%
3 Months -2.03% +4.16% -6.19%
6 Months -3.04% +2.06% -5.10%
YTD -2.03% +4.16% -6.19%
1 Year +18.31% +0.74% +17.57%
3 Years +33.24% +12.67% +20.57%
5 Years +2.12% +3.76% -1.64%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SCHE Fees SCHH Fees You Save
$10,000 10 years $219 $140 $79
$10,000 20 years $940 $600 $340
$10,000 30 years $3,030 $1,938 $1,091
$50,000 10 years $1,094 $698 $397
$50,000 30 years $15,149 $9,692 $5,457
$100,000 30 years $30,297 $19,383 $10,914

Risk Metrics

Based on 5 years of daily returns

Metric SCHE SCHH
Annualized Volatility 17.7% 18.8%
Max Drawdown -35.8% -36.4%
Sharpe Ratio -0.14 -0.11

Dividend Comparison

Metric SCHE SCHH
Annual Dividend (per share) $0.94 $0.65
Dividend Yield 2.87% 2.99%
Distribution Frequency Semi-Annual or Annual Quarterly

Which One Should You Choose?

Choose SCHH if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Choose SCHE if...

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

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