ETF Versus

SCHH vs SCHZ

Schwab U.S. REIT ETF vs Schwab U.S. Aggregate Bond ETF

Last updated: 2026-04-02

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
SCHZ Schwab

Schwab U.S. Aggregate Bond ETF (SCHZ) is an exchange-traded fund issued by Schwab that provides exposure to the broad U.S. investment-grade bond market. It charges a very low expense ratio of 0.03%. The fund offers a high dividend yield of 4.10%. Launched in 2011, the fund has a 15-year track record.

AUM: N/A ER: 0.03% Yield: 4.10% Since: 2011-07-14

Quick Verdict

SCHZ has a slightly lower expense ratio (0.03% vs 0.07%), saving about $80 per $10,000 over 10 years. Both funds have delivered similar 1-year returns (0.7% vs 0.3%), tracking closely. Income investors may prefer SCHZ for its higher yield (4.1% vs 3.0%).

Key Metrics

Metric SCHH SCHZ
Expense Ratio 0.07% 0.03%
Dividend Yield 3.0% 4.1%
Fund Family Schwab Schwab
Category US Real Estate US Aggregate Bond

Performance Chart

Indexed to 100 at start (5-year comparison)

80 89 98 107 116 125 2021-04 2022-06 2023-10 2024-12 2026-04
SCHH +3.8%
SCHZ -13.9%

Performance Comparison

Period SCHH SCHZ Difference
1 Month -5.26% -1.33% -3.93%
3 Months +4.16% -0.66% +4.82%
6 Months +2.06% -0.78% +2.84%
YTD +4.16% -0.66% +4.82%
1 Year +0.74% +0.29% +0.45%
3 Years +12.67% -1.18% +13.85%
5 Years +3.76% -13.92% +17.68%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SCHH Fees SCHZ Fees You Save
$10,000 10 years $140 $60 $80
$10,000 20 years $600 $258 $342
$10,000 30 years $1,938 $835 $1,103
$50,000 10 years $698 $299 $398
$50,000 30 years $9,692 $4,176 $5,516
$100,000 30 years $19,383 $8,352 $11,032

Risk Metrics

Based on 5 years of daily returns

Metric SCHH SCHZ
Annualized Volatility 18.8% 6.1%
Max Drawdown -36.4% -21.9%
Sharpe Ratio -0.11 -1.20

Dividend Comparison

Metric SCHH SCHZ
Annual Dividend (per share) $0.65 $0.95
Dividend Yield 2.99% 4.10%
Distribution Frequency Quarterly Monthly

Which One Should You Choose?

Choose SCHZ if...

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

Choose SCHZ if...

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

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