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

In the year to Sep 13, 2026, with distributions reinvested, SCHB returned +17.2% 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 13, 2026. Both funds on the fields they both publish, from the same sources.

ETFIQetfiq.com · independent ETF data

SCHB vs USO: how they differ

SCHB is an equity index fund and USO a commodity fund, and over the year USO returned more, +112.2% against +17.2%.

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

SCHB and USO on the fields both publish, as of Sep 13, 2026. Source: ETFIQ.
	SCHB Schwab U.S. Broad Market ETF	USO United States Oil Fund, LP
Where it sits	Core index fund	Core index fund
Issuer	Schwab	USCF
What it is	US broad market	Oil
Total return, 1 year	+17.2%	+112.2%
S&P 500 over the same days	+17.5%	+17.5%
Gap to the S&P 500	−0.3 pts	+94.7 pts
Expense ratio	not published	0.45%
Holdings	2497	not filed

SCHB in plain words

SCHB is an index equity fund tracking the US broad market. Over the year to Sep 11, 2026 it returned +17.2% with distributions reinvested, against +17.5% for the S&P 500 and +23.0% for the Nasdaq-100. By its holdings filed for Jun 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2497 positions, with the top ten at 32.2%.

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. The prospectus expense ratio is 0.45% a year. 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, SCHB or USO?: In the year to Sep 13, 2026, with distributions reinvested, SCHB returned +17.2% 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.

SCHB against USO, ETFIQ, data as of Sep 13, 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, SCHB against USO, data as of Sep 13, 2026. https://etfiq.com/compare/any/schb-vs-uso Free to use with attribution; the underlying files are at Open data.

A comparison is not a recommendation. Standards and sources