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

In the year to Oct 28, 2026, with distributions reinvested, SCHF returned +17.6% and USO +133.3%.

Which is cheaper, SCHF or USO?

SCHF is cheaper, by 0.83 percentage points a year. That is about $83 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

SCHF vs USO: Differences, Returns & Fees

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SCHF is an equity index fund and USO a commodity futures fund, and over the year to Oct 28, 2026, USO returned +133.3% against +17.6%.

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Net assets: $69.7bn on Aug 31, 2026 for Schwab International Equity ETF, and $1.9bn on Oct 28, 2026 for United States Oil Fund, LP.

SCHF on its own →USO on its own →

At a glance

+17.6%

SCHF total return, 1 year

+133.3%

USO total return, 1 year

0.03%

SCHF expense ratio

0.86%

USO expense ratio

Pair scorecard

SCHF costs 0.83 points a year less; their one-year returns differ by 115.7 points.

SCHF vs USO: Differences, Returns & Fees
Measure	SCHF	USO
Return
Measure	SCHF	USO
Total return, 1 year	+17.6%	+133.3%
Drawdown
Measure	SCHF	USO
Below its high	4.4%, high on Aug 25, 2026	82.3%, high on Jul 14, 2008
Benchmark
Measure	SCHF	USO
What it tracks	FTSE Developed ex US Index	Oil futures
Cost and size
Measure	SCHF	USO
Expense ratio	0.03%	0.86%
Net assets, SCHF as of Aug 31, 2026 and USO as of Oct 28, 2026	$69.7bn	$1.9bn
Holdings
Measure	SCHF	USO
Holdings in common	not published
In the S&P 500, by weight	0%
Top ten holdings, share of the fund	13.8%

Method

Side by side

SCHF Schwab International Equity ETF USO United States Oil Fund, LP

Where it sits Stock ETF Commodity ETF

Issuer Schwab USCF

What it is Tracks an index of International Equity Holds oil futures

Total return, 1 year +17.6% +133.3%

Its benchmark over the same days +12.1% (EFA) not measured

Gap to its benchmark +5.5 pts vs EFA not measured

Expense ratio 0.03% 0.86%

Holdings 1475 not counted

Net assets, SCHF as of Aug 31, 2026 and USO as of Oct 28, 2026 $69.7bn $1.9bn

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

Alert

About each fund

SCHF

SCHF tracks an index of International Equity. Over the year to Oct 28, 2026 it returned +17.6% with distributions reinvested, against +12.1% for its benchmark, the MSCI EAFE Index. The prospectus expense ratio is 0.03% a year. By its holdings filed for Aug 31, 2026, 0% of the fund by weight is stocks the S&P 500 also holds, across 1,475 positions, with the top ten at 13.8%. It sat 4.4% below its high of Aug 25, 2026 on Oct 28, 2026.

USO

USO holds oil futures. Over the year to Oct 28, 2026 it returned +133.3% with distributions reinvested. The prospectus expense ratio is 0.86% a year. It sat 82.3% below its high of Jul 14, 2008 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, SCHF or USO?: In the year to Oct 28, 2026, with distributions reinvested, SCHF returned +17.6% and USO +133.3%.
Which is cheaper, SCHF or USO?: SCHF is cheaper, by 0.83 percentage points a year. That is about $83 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

SCHF vs SIVR BWET vs SCHF SCHF vs SLV GLDM vs SCHF USO vs VEA ACWX vs USO FENI vs USO USO vs VEU

Where to next

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

Sources and dates

SCHF filings on SEC EDGAR ↗

SCHF prospectus with the expense ratio (SEC) ↗

Schwab website ↗

USCF website ↗

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

Cite this pageCitation, APA and Markdown

ETFIQ, SCHF against USO, data as of Oct 28, 2026. https://etfiq.com/compare/any/schf-vs-uso

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