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

In the year to Oct 28, 2026, with distributions reinvested, GLD returned +2.5% and SCHH +8.7%.

Which is cheaper, GLD or SCHH?

SCHH is cheaper, by 0.33 percentage points a year. That is about $33 on $10,000 held for a year. Fees come from each fund's own filings.

Data as of Oct 28, 2026.

Across categories

GLD vs SCHH: Differences, Returns & Fees

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GLD is a commodity fund and SCHH an equity index fund, and over the year to Oct 28, 2026, SCHH returned +8.7% against +2.5%.

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Net assets: $135.8bn on Oct 27, 2026 for SPDR Gold Shares, and $11.2bn on Aug 31, 2026 for Schwab U.S. REIT ETF.

GLD on its own →SCHH on its own →

At a glance

+2.5%

GLD total return, 1 year

+8.7%

SCHH total return, 1 year

0.40%

GLD expense ratio

0.07%

SCHH expense ratio

Pair scorecard

SCHH costs 0.33 points a year less; their one-year returns differ by 6.2 points.

GLD vs SCHH: Differences, Returns & Fees
Measure	GLD	SCHH
Return
Measure	GLD	SCHH
Total return, 1 year	+2.5%	+8.7%
Drawdown
Measure	GLD	SCHH
Below its high	24.7%, high on Jan 29, 2026	8.5%, high on Jul 24, 2026
Benchmark
Measure	GLD	SCHH
What it tracks	Gold	US REIT
Cost and size
Measure	GLD	SCHH
Expense ratio	0.40%	0.07%
Net assets, GLD as of Oct 27, 2026 and SCHH as of Aug 31, 2026	$135.8bn	$11.2bn
Holdings
Measure	GLD	SCHH
Holdings in common	not published
In the S&P 500, by weight		74%
Top ten holdings, share of the fund		51.6%

Method

Risk and return

Jan 21, 2011 to Oct 23, 2026 · 822 weekly returns

GLD SCHH

Return

Total return edge GLD (slight) +179.8% +175.1%

Annualized edge Tie +6.7% +6.6%

Price return edge GLD +179.8% +79.9%

Risk

Volatility edge GLD 15.9% 20.9%

Max drawdown edge SCHH (slight) −44.7% −42.3%

Risk-adjusted

Sharpe edge GLD 0.39 0.33

Sortino edge GLD 0.56 0.47

Calmar edge SCHH (slight) 0.15 0.16

Reading

GLD returned slightly more: +179.8% to +175.1%. GLD swung less: 15.9% to 20.9%. SCHH fell slightly less at its worst: −42.3% to −44.7%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: GLD vs SCHH: Differences, Returns & Fees
Measure	GLD	SCHH	Edge	How it is measured
Return
Total return	+179.8%	+175.1%	GLD (slight)	Price change plus distributions, reinvested.
Annualized	+6.7%	+6.6%	Tie	Total return as a yearly rate.
Price return	+179.8%	+79.9%	GLD	Price change alone, distributions left out.
Risk
Volatility	15.9%	20.9%	GLD	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	11.0%	14.7%	GLD	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−44.7%	−42.3%	SCHH (slight)	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	0.39	0.33	GLD	Return above Treasury bills per unit of volatility.
Sortino	0.56	0.47	GLD	Return above Treasury bills per unit of downside deviation.
Calmar	0.15	0.16	SCHH (slight)	Annualized return divided by the max drawdown.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 822 weekly returns. Cash rate: the 13-week Treasury bill.

Side by side

GLD SPDR Gold Shares SCHH Schwab U.S. REIT ETF

Where it sits Commodity ETF Stock ETF

Issuer State Street Schwab

What it is Holds gold Tracks an index of US REIT

Total return, 1 year +2.5% +8.7%

Its benchmark over the same days +2.7% (IAU) not measured

Gap to its benchmark −0.2 pts vs IAU not measured

Expense ratio 0.40% 0.07%

Holdings not counted 117

Net assets, GLD as of Oct 27, 2026 and SCHH as of Aug 31, 2026 $135.8bn $11.2bn

GLD and SCHH on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Client brief · page 1 of 2 Report BR-0FB2BC6214

GLD and SCHH do different jobs. What does each one do in a portfolio?

What each follows. GLD follows Gold and SCHH follows US REIT.
One-year total return. Over 1 year to Oct 28, 2026 GLD returned +2.5% and SCHH +8.7% with distributions reinvested, a gap of 6.2 points.
Cost. GLD charges 0.40% of assets a year and SCHH 0.07%, a gap of 0.33 points.

Data as of Oct 28, 2026.

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About each fund

GLD

Its expense ratio is 0.40% a year, for the three months to Jun 30, 2026, as its 10-Q states.

GLD holds gold. Over the year to Oct 28, 2026 it returned +2.5% with distributions reinvested, against +2.7% for its benchmark, the price of gold. It sat 24.7% below its high of Jan 29, 2026 on Oct 28, 2026.

SCHH

SCHH tracks an index of US REIT. Over the year to Oct 28, 2026 it returned +8.7% with distributions reinvested. The prospectus expense ratio is 0.07% a year. By its holdings filed for Aug 31, 2026, 74% of the fund by weight is stocks the S&P 500 also holds, across 117 positions, with the top ten at 51.6%. It sat 8.5% below its high of Jul 24, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, GLD or SCHH?: In the year to Oct 28, 2026, with distributions reinvested, GLD returned +2.5% and SCHH +8.7%.
Which is cheaper, GLD or SCHH?: SCHH is cheaper, by 0.33 percentage points a year. That is about $33 on $10,000 held for a year. Fees come from each fund's own filings.

Other comparisons

GLD vs VNQ GLD vs XLRE GLD vs IYR GLD vs XLP IAU vs SCHH GLDM vs SCHH SCHH vs SLV SCHH vs SIVR

Where to next

GLD on its own →SCHH on its own →Hold both: look the portfolio through →Rankings →SCHH dividend history →SCHH holdings →Standards and sources →

Sources and dates

State Street website ↗

SCHH filings on SEC EDGAR ↗

SCHH prospectus with the expense ratio (SEC) ↗

Schwab website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

Cite this pageCitation, APA and Markdown

ETFIQ, GLD against SCHH, data as of Oct 28, 2026. https://etfiq.com/compare/any/gld-vs-schh

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