Which returned more over the last year, SCHH or USO?

In the year to Sep 12, 2026, with distributions reinvested, SCHH returned +9.8% and USO returned +112.2%, so USO returned more. One year is one year; the longer windows are in the table.

Data as of Sep 12, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

SCHH vs USO: how they differ

SCHH is an equity index fund and USO a commodity fund, and over the year USO returned more, +112.2% against +9.8%.

Schwab U.S. REIT ETF and United States Oil Fund, LP.

SCHH and USO on the fields both publish, as of Sep 12, 2026. Source: ETFIQ.
	SCHH Schwab U.S. REIT ETF	USO United States Oil Fund, LP
Where it sits	Core index fund	Core index fund
Issuer	Schwab	United
What it is	US REIT	Oil
Total return, 1 year	+9.8%	+112.2%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−7.7 pts	+94.7 pts
Expense ratio	0.07%	not published
Holdings	117	not filed

SCHH in plain words

SCHH is an index equity fund tracking the US REIT. Over the year to Sep 11, 2026 it returned +9.8% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. The prospectus expense ratio is 0.07% a year. By its holdings filed for May 31, 2026, 74% of the fund by weight is stocks the S&P 500 also holds, across 117 positions, with the top ten at 49.8%. It sat 6.7% below its high of Jul 24, 2026 on Sep 11, 2026.

USO in plain words

USO is a commodity fund tracking the Oil. Over the year to Sep 11, 2026 it returned +112.2% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. It sat 57.1% below its high of Apr 8, 2011 on Sep 11, 2026.

Questions people ask

Which returned more over the last year, SCHH or USO?: In the year to Sep 12, 2026, with distributions reinvested, SCHH returned +9.8% and USO returned +112.2%, so USO returned more. One year is one year; the longer windows are in the table.

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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.

SCHH against USO, ETFIQ, data as of Sep 12, 2026. Every figure is arithmetic on a named public source; the method is at etfiq.com/methodology. A comparison is not a recommendation.

Cite this page. ETFIQ, SCHH against USO, data as of Sep 12, 2026. https://etfiq.com/compare/any/SCHH-USO Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources