Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.
SCHG vs XLF: how they differ
SCHG and XLF hold 6% of their weight in the same names, and SCHG returned more over the year.
Schwab U.S. Large-Cap Growth ETF and State Street(R) Financial Select Sector SPDR(R) ETF.
What they hold in common
By the books each fund has filed, SCHG and XLF hold 6% of their money in the same securities at the same weight.
| Holding | SCHG | XLF |
|---|---|---|
| Visa Inc | 1.92% | 7.51% |
| Mastercard Inc | 1.41% | 5.47% |
| Blackrock Inc | 0.53% | 1.83% |
| S&P Global Inc | 0.45% | 1.63% |
| Progressive Corp/The | 0.39% | 1.68% |
| Robinhood Markets Inc | 0.26% | 1.05% |
| Moody's Corp | 0.24% | 0.90% |
| KKR & Co Inc | 0.23% | 0.84% |
| Apollo Global Management Inc | 0.21% | 0.72% |
| MSCI Inc | 0.16% | 0.54% |
| Coinbase Global Inc | 0.15% | 0.43% |
| Block Inc | 0.14% | 0.54% |
| Only in SCHG | Only in XLF |
|---|---|
| NVIDIA Corp 11.02% | Berkshire Hathaway Inc 12.10% |
| Apple Inc 9.84% | JPMorgan Chase & Co 11.57% |
| Microsoft Corp 7.18% | Bank of America Corp 4.91% |
| Amazon.com Inc 5.68% | Goldman Sachs Group Inc/The 3.94% |
| Alphabet Inc 4.76% | Wells Fargo & Co 3.34% |
| Broadcom Inc 4.55% | Morgan Stanley 3.31% |
| Tesla Inc 3.92% | Citigroup Inc 3.15% |
| Alphabet Inc 3.78% | American Express Co 2.38% |
Weight overlap is an ETFIQ calculation: for every security both funds hold, the smaller of the two weights, summed. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026 and May 31, 2026.
| SCHG Schwab U.S. Large-Cap Growth ETF | XLF State Street(R) Financial Select Sector SPDR(R) ETF | |
|---|---|---|
| Where it sits | Core index fund | Core index fund |
| Issuer | Schwab | State Street |
| What it is | U.S. Large-Cap Growth | Financials |
| Total return, 1 year | +12.7% | +7.6% |
| S&P 500 over the same days | +17.5% | +17.5% |
| Gap to the S&P 500 | −4.8 pts | −9.9 pts |
| Expense ratio | 0.04% | 0.08% |
| Already in the S&P 500 | 95.4% | 100.0% |
| Holdings | 193 | 76 |
SCHG in plain words
SCHG is an index equity fund tracking the U.S. Large-Cap Growth. Over the year to Sep 11, 2026 it returned +12.7% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.04% a year. By its holdings filed for May 31, 2026, 95% of the fund by weight is stocks the S&P 500 also holds, across 193 positions, with the top ten at 57.2%.
XLF in plain words
XLF is an index equity fund tracking the Financials. Over the year to Sep 11, 2026 it returned +7.6% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.08% a year. By its holdings filed for Jun 30, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 76 positions, with the top ten at 57.7%.
Questions people ask
- Which returned more over the last year, SCHG or XLF?
- In the year to Sep 12, 2026, with distributions reinvested, SCHG returned +12.7% and XLF returned +7.6%, so SCHG returned more. One year is one year; the longer windows are in the table.
- Which is cheaper, SCHG or XLF?
- SCHG charges 0.04% a year and XLF charges 0.08%, so SCHG is cheaper. Fees come from each fund's prospectus.
- How much do SCHG and XLF overlap with the S&P 500?
- By their latest filed holdings, 95% of SCHG and 100% of XLF by weight is stocks the S&P 500 already holds. Between the two funds, 6% of their books are the same securities at the same weight.
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Where these figures came from
ETFIQ links to the documents behind every figure. It is not affiliated with any issuer, and a link is not an endorsement.
Cite this page. ETFIQ, SCHG against XLF, data as of Sep 12, 2026. https://etfiq.com/compare/any/SCHG-XLF Free to use with attribution; the underlying files are at Open data.
A comparison is not a recommendation. Standards and sources