Data as of Oct 28, 2026.

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SCHF vs XLU: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SCHF returned +17.6% to XLU's −3.0%; 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 $23.9bn on Oct 27, 2026 for State Street Utilities Select Sector SPDR ETF.

At a glance
+17.6%
SCHF total return, 1 year
−3.0%
XLU total return, 1 year
0.03%
SCHF expense ratio
0.08%
XLU expense ratio

Pair scorecard

SCHF costs 0.05 points a year less; their one-year returns differ by 20.6 points.

SCHF vs XLU: Differences, Returns & Fees
MeasureSCHFXLU
Return
Total return, 1 year+17.6%−3.0%
Drawdown
Below its high4.4%, high on Aug 25, 20269.1%, high on Feb 27, 2026
Benchmark
What it tracksFTSE Developed ex US IndexUtilities Select Sector Index
Cost and size
Expense ratio0.03%0.08%
Net assets, SCHF as of Aug 31, 2026 and XLU as of Oct 27, 2026$69.7bn$23.9bn
Holdings
Holdings in common0%
Top ten holdings, share of the fund13.8%58.7%

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 returns
SCHF XLU
Return
Total return edge XLU +222.5% +419.5%
Annualized edge XLU +7.1% +10.2%
Price return edge XLU +106.8% +189.9%
Risk
Volatility edge Tie 17.1% 17.2%
Max drawdown edge XLU (slight) −33.8% −32.1%
Risk-adjusted
Sharpe edge XLU 0.40 0.56
Sortino edge XLU 0.56 0.82
Calmar edge XLU 0.21 0.32
Reading

XLU returned more: +419.5% to +222.5%. SCHF and XLU swung about the same: 17.1% and 17.2%. XLU fell slightly less at its worst: −32.1% to −33.8%.

Full scorecard

9 measures, with how each is measured
Open ↓
Risk and return: SCHF vs XLU: Differences, Returns & Fees
MeasureSCHFXLUEdgeHow it is measured
Return
Total return+222.5%+419.5%XLUPrice change plus distributions, reinvested.
Annualized+7.1%+10.2%XLUTotal return as a yearly rate.
Price return+106.8%+189.9%XLUPrice change alone, distributions left out.
Risk
Volatility17.1%17.2%TieSpread of weekly returns, annualized. Lower is steadier.
Downside deviation12.1%11.8%XLU (slight)Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown−33.8%−32.1%XLU (slight)Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe0.400.56XLUReturn above Treasury bills per unit of volatility.
Sortino0.560.82XLUReturn above Treasury bills per unit of downside deviation.
Calmar0.210.32XLUAnnualized return divided by the max drawdown.

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

0%

By the books each fund has filed, SCHF and XLU hold 0% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first SCHF XLU
Only in one fund ↓
Only in SCHF
Samsung Electronics Co Ltd 2.88%
SK hynix Inc 2.23%
ASML Holding NV 2.14%
HSBC Holdings PLC 1.17%
Roche Holding AG 1.00%
Royal Bank of Canada 0.94%
Novartis AG 0.94%
Shell PLC 0.83%
Only in XLU
NEXTERA ENERGY INC 12.76%
SOUTHERN CO 7.91%
DUKE ENERGY CORP 7.22%
CONSTELLATION ENERGY 6.33%
AMERICAN ELECTRIC POWER 5.26%
DOMINION ENERGY INC 4.26%
SEMPRA 4.12%
ENTERGY CORP 3.75%
Check overlap with more funds →

Side by side

SCHF Schwab International Equity ETF XLU State Street Utilities Select Sector SPDR ETF
Where it sits Stock ETF Stock ETF
What it is Tracks an index of International Equity Tracks an index of Utilities
Total return, 1 year +17.6% −3.0%
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% 0.08%
Already in the S&P 500 0.0% 99.7%
Holdings 1475 32
Net assets, SCHF as of Aug 31, 2026 and XLU as of Oct 27, 2026 $69.7bn $23.9bn

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

Client brief · page 1 of 2 Report BR-9E5C64F810

SCHF and XLU do different jobs. What does each one do in a portfolio?

  1. What each follows. SCHF follows FTSE Developed ex US Index and XLU follows Utilities Select Sector Index.
  2. Holdings in common. 0% of the weight is in the same securities (holdings dated Aug 31, 2026 and Oct 27, 2026).
  3. One-year total return. Over 1 year to Oct 28, 2026 SCHF returned +17.6% and XLU −3.0% with distributions reinvested, a gap of 20.6 points.

Data as of Oct 28, 2026.

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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.

XLU

XLU tracks an index of Utilities. Over the year to Oct 28, 2026 it returned −3.0% with distributions reinvested. 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 32 positions, with the top ten at 58.7%. It sat 9.1% below its high of Feb 27, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, SCHF or XLU?
In the year to Oct 28, 2026, with distributions reinvested, SCHF returned +17.6% and XLU −3.0%.
Which is cheaper, SCHF or XLU?
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.
How much do SCHF and XLU overlap with the S&P 500?
By their latest filed holdings, 0% of SCHF and 100% of XLU by weight is stocks the S&P 500 already holds.
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ETFIQ, SCHF against XLU, data as of Oct 28, 2026. https://etfiq.com/compare/any/schf-vs-xlu

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