ETF Versus

SCHV vs XLI

Schwab U.S. Large-Cap Value ETF vs State Street Industrial Select Sector SPDR ETF

Last updated: 2026-04-02

SCHV Schwab

Schwab U.S. Large-Cap Value ETF (SCHV) is an exchange-traded fund issued by Schwab that provides exposure to large-cap U.S. value stocks trading at below-market valuations. It charges a very low expense ratio of 0.04%. The fund offers a moderate dividend yield of 1.96%. Launched in 2009, the fund has a 17-year track record.

AUM: N/A ER: 0.04% Yield: 1.96% Since: 2009-12-15
XLI State Street

State Street Industrial Select Sector SPDR ETF (XLI) is an exchange-traded fund issued by State Street that provides exposure to us sector - industrials securities. It charges a low expense ratio of 0.09%. The fund offers a moderate dividend yield of 1.25%. Launched in 1998, the fund has a 28-year track record.

AUM: $25.6B ER: 0.09% Yield: 1.25% Since: 1998-12-22

Quick Verdict

SCHV has a slightly lower expense ratio (0.04% vs 0.09%), saving about $99 per $10,000 over 10 years. Over the past year, XLI has significantly outperformed with a 23.4% return vs 14.5%. Income investors may prefer SCHV for its higher yield (2.0% vs 1.3%).

Key Metrics

Metric SCHV XLI
Expense Ratio 0.04% 0.09%
Dividend Yield 2.0% 1.3%
Fund Family Schwab State Street
Category US Large Cap Value US Sector - Industrials

Performance Chart

Indexed to 100 at start (5-year comparison)

80 100 120 140 160 180 2021-04 2022-06 2023-10 2024-12 2026-04
SCHV +38.4%
XLI +64.2%

Performance Comparison

Period SCHV XLI Difference
1 Month -3.51% -6.38% +2.87%
3 Months +2.42% +3.96% -1.54%
6 Months +4.77% +5.87% -1.10%
YTD +2.42% +3.96% -1.54%
1 Year +14.53% +23.44% -8.91%
3 Years +39.37% +62.04% -22.67%
5 Years +38.45% +64.24% -25.79%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SCHV Fees XLI Fees You Save
$10,000 10 years $80 $179 $99
$10,000 20 years $344 $771 $427
$10,000 30 years $1,112 $2,486 $1,373
$50,000 10 years $399 $896 $497
$50,000 30 years $5,560 $12,428 $6,867
$100,000 30 years $11,121 $24,855 $13,734

Risk Metrics

Based on 5 years of daily returns

Metric SCHV XLI
Annualized Volatility 14.6% 17.2%
Max Drawdown -21.1% -22.7%
Sharpe Ratio 0.21 0.40

Dividend Comparison

Metric SCHV XLI
Annual Dividend (per share) $0.60 $2.05
Dividend Yield 1.96% 1.25%
Distribution Frequency Quarterly Quarterly

Top Holdings

XLI Top Holdings

NameWeight
General Electric Co680.74%
Caterpillar Inc561.69%
RTX Corp515.19%
GE Vernova Inc371.52%
Boeing Co/The356.20%
Uber Technologies Inc355.71%
Union Pacific Corp287.47%
Honeywell International Inc259.50%
Eaton Corp PLC259.19%
Deere & Co245.23%

Which One Should You Choose?

Choose SCHV if...

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

Choose XLI if...

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

Choose SCHV if...

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

Related Comparisons

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