ETF Versus

SCHF vs SCHP

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

Last updated: 2026-04-02

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
SCHP Schwab

Schwab U.S. TIPS ETF (SCHP) is an exchange-traded fund issued by Schwab that provides exposure to us tips securities. It charges a very low expense ratio of 0.05%. The fund offers an attractive dividend yield of 3.71%. Launched in 2010, the fund has a 16-year track record.

AUM: N/A ER: 0.05% Yield: 3.71% Since: 2010-08-05

Quick Verdict

Both funds have nearly identical expense ratios (0.05% vs 0.06%), so fees are not a differentiator here. Over the past year, SCHF has significantly outperformed with a 25.3% return vs -0.5%.

Key Metrics

Metric SCHF SCHP
Expense Ratio 0.06% 0.05%
Dividend Yield 3.3% 3.7%
Fund Family Schwab Schwab
Category International Developed US TIPS

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
SCHF +29.0%
SCHP -12.7%

Performance Comparison

Period SCHF SCHP Difference
1 Month -2.69% -0.84% -1.85%
3 Months +2.42% +0.62% +1.80%
6 Months +4.88% -0.69% +5.57%
YTD +2.42% +0.62% +1.80%
1 Year +25.25% -0.47% +25.72%
3 Years +42.08% -0.63% +42.71%
5 Years +29.04% -12.68% +41.72%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SCHF Fees SCHP Fees You Save
$10,000 10 years $120 $100 $20
$10,000 20 years $515 $430 $85
$10,000 30 years $1,664 $1,388 $275
$50,000 10 years $598 $499 $99
$50,000 30 years $8,318 $6,941 $1,377
$100,000 30 years $16,637 $13,882 $2,754

Risk Metrics

Based on 5 years of daily returns

Metric SCHF SCHP
Annualized Volatility 16.3% 6.3%
Max Drawdown -31.4% -22.2%
Sharpe Ratio 0.12 -1.11

Dividend Comparison

Metric SCHF SCHP
Annual Dividend (per share) $0.82 $0.99
Dividend Yield 3.29% 3.71%
Distribution Frequency Semi-Annual or Annual Monthly

Which One Should You Choose?

Choose SCHF if...

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

Choose SCHP if...

you prioritize dividend income and want higher regular distributions from your portfolio.

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