Data as of Oct 28, 2026.
SCHB vs XBI: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHB returned +13.4% to XBI's +41.2%, and SCHB charges 0.03% to XBI's 0.35%.
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Net assets: $44.6bn on Aug 31, 2026 for Schwab U.S. Broad Market ETF, and $10.3bn on Oct 27, 2026 for State Street SPDR S&P Biotech ETF.
Pair scorecard
SCHB costs 0.32 points a year less; their one-year returns differ by 27.8 points.
| Measure | SCHB | XBI |
|---|---|---|
| Return | ||
| Total return, 1 year | +13.4% | +41.2% |
| Drawdown | ||
| Below its all-time high | 8.9%, high on Feb 8, 2021 | |
| Benchmark | ||
| What it tracks | Dow Jones U.S. Broad Stock Market Index | Biotech |
| Cost and size | ||
| Expense ratio | 0.03% | 0.35% |
| Net assets, SCHB as of Aug 31, 2026 and XBI as of Oct 27, 2026 | $44.6bn | $10.3bn |
| Active share vs the S&P 500 | 98% | |
| Holdings | ||
| Holdings in common | 2% | |
| Top ten holdings, share of the fund | 33.7% | 18% |
Holdings in common uses holdings dated Aug 31, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, SCHB and XBI hold 2% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Oct 27, 2026.
half
2% in common
Only in one fund ↓
Side by side
SCHB and XBI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
SCHB
SCHB tracks an index of US broad market. Over the year to Oct 28, 2026 it returned +13.4% with distributions reinvested. The prospectus expense ratio is 0.03% a year. By its holdings filed for Aug 31, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 2,372 positions, with the top ten at 33.7%.
XBI
By weight, 13% of XBI's portfolio is stocks that are also in the S&P 500; its active share against the S&P 500 is 98%. The top ten holdings are 18% of the fund across 165 positions, as published by its issuer for Oct 27, 2026. Over the year to Oct 28, 2026 the fund returned +41.2% with distributions reinvested. It sits 8.9% below its all-time high of Feb 8, 2021.
Questions people ask
- Are SCHB and XBI in the same category?
- SCHB is a stock ETF and XBI is a thematic ETF, so they do different jobs. The table compares what both publish: return, cost and holdings.
- Which returned more over the last year, SCHB or XBI?
- In the year to Oct 28, 2026, with distributions reinvested, SCHB returned +13.4% and XBI +41.2%.
- Which is cheaper, SCHB or XBI?
- SCHB is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, SCHB against XBI, data as of Oct 28, 2026. https://etfiq.com/compare/any/schb-vs-xbi
ETFIQ. (Oct 28, 2026). SCHB against XBI. Retrieved from https://etfiq.com/compare/any/schb-vs-xbi
[SCHB against XBI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/schb-vs-xbi)
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