Data as of Oct 28, 2026.
SCHF vs XLK: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHF returned +17.6% to XLK's +27.1%; 0% of their weight is in the same names.
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Net assets: $69.7bn on Aug 31, 2026 for Schwab International Equity ETF, and $125.0bn on Oct 27, 2026 for State Street Technology Select Sector SPDR ETF.
Pair scorecard
SCHF costs 0.05 points a year less; their one-year returns differ by 9.5 points.
| Measure | SCHF | XLK |
|---|---|---|
| Return | ||
| Total return, 1 year | +17.6% | +27.1% |
| Drawdown | ||
| Below its high | 4.4%, high on Aug 25, 2026 | 5.4%, high on Oct 6, 2026 |
| Benchmark | ||
| What it tracks | FTSE Developed ex US Index | Technology Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.08% |
| Net assets, SCHF as of Aug 31, 2026 and XLK as of Oct 27, 2026 | $69.7bn | $125.0bn |
| Holdings | ||
| Holdings in common | 0% | |
| Top ten holdings, share of the fund | 13.8% | 64.6% |
Holdings in common uses holdings dated Aug 31, 2026 and Oct 27, 2026. Method
Risk and return
Nov 13, 2009 to Oct 23, 2026 · 884 weekly returnsEach against its own benchmark: SCHF against EFA, Nov 13, 2009 to Oct 23, 2026; XLK against SPY, Dec 31, 1998 to Oct 23, 2026.
XLK returned more: +1,988.6% to +222.5%. SCHF swung less: 17.1% to 20.1%. XLK fell slightly less at its worst: −32.6% to −33.8%.
Full scorecard
19 measures, with how each is measured Open ↓
| Measure | SCHF | XLK | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +222.5% | +1,988.6% | XLK | Price change plus distributions, reinvested. |
| Annualized | +7.1% | +19.6% | XLK | Total return as a yearly rate. |
| Price return | +106.8% | +1,573.3% | XLK | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 17.1% | 20.1% | SCHF | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 12.1% | 13.3% | SCHF (slight) | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −33.8% | −32.6% | XLK (slight) | Deepest fall from a high to the low after it. |
| Upside capture | 99.2% | 138.8% | Share of its benchmark's rise caught in the weeks it rose. | |
| Downside capture | 99.0% | 113.0% | Share of its benchmark's fall taken in the weeks it fell. Lower is better. | |
| Beta | 0.99 | 1.15 | Not an edge | How far it moves for each 1% its benchmark moves. |
| R squared | 0.99 | 0.73 | Not an edge | Share of its weekly moves its benchmark explains. |
| Risk-adjusted | ||||
| Sharpe | 0.40 | 0.91 | XLK | Return above Treasury bills per unit of volatility. |
| Sortino | 0.56 | 1.38 | XLK | Return above Treasury bills per unit of downside deviation. |
| Treynor | 0.069 | 0.094 | Return above Treasury bills per unit of beta. | |
| Calmar | 0.21 | 0.60 | XLK | Annualized return divided by the max drawdown. |
| Against the benchmark | ||||
| Benchmark | EFA | SPY | The ETF each fund is measured against. | |
| Alpha | +0.5% a year | +1.6% a year | Not significant | Yearly return beyond what its beta to the benchmark predicts. |
| Alpha t-stat | 1.02 | 0.67 | Not an edge | How sure the alpha is. Below 2, it could be chance. |
| Alpha range | −0.4% to +1.4% | −3.0% to +6.1% | Includes zero | The 95% range for the yearly alpha. |
| Information ratio | 0.20 | 0.22 | Return against its benchmark per unit of tracking error. | |
| Tracking error | 1.9% | 12.6% | Not an edge | How far weekly returns stray from the benchmark, annualized. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 884 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, SCHF and XLK hold 0% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
SCHF and XLK on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
SCHF and XLK do different jobs. What does each one do in a portfolio?
- What each follows. SCHF follows FTSE Developed ex US Index and XLK follows Technology Select Sector Index.
- Holdings in common. 0% of the weight is in the same securities (holdings dated Aug 31, 2026 and Oct 27, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 SCHF returned +17.6% and XLK +27.1% with distributions reinvested, a gap of 9.5 points.
Data as of Oct 28, 2026.
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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.
XLK
XLK tracks an index of Technology. Over the year to Oct 28, 2026 it returned +27.1% with distributions reinvested, against +13.6% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 76 positions, with the top ten at 64.6%. It sat 5.4% below its high of Oct 6, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, SCHF or XLK?
- In the year to Oct 28, 2026, with distributions reinvested, SCHF returned +17.6% and XLK +27.1%.
- Which is cheaper, SCHF or XLK?
- SCHF is cheaper, by 0.05 percentage points a year. That is about $5 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, SCHF against XLK, data as of Oct 28, 2026. https://etfiq.com/compare/any/schf-vs-xlk
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[SCHF against XLK (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/schf-vs-xlk)
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