Data as of Oct 28, 2026.
SCHG vs XBI: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHG returned +6.8% to XBI's +41.2%, and SCHG charges 0.04% to XBI's 0.35%.
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Net assets: $63.0bn on Aug 31, 2026 for Schwab U.S. Large-Cap Growth ETF, and $10.3bn on Oct 27, 2026 for State Street SPDR S&P Biotech ETF.
Pair scorecard
SCHG costs 0.31 points a year less; their one-year returns differ by 34.4 points.
| Measure | SCHG | XBI |
|---|---|---|
| Return | ||
| Total return, 1 year | +6.8% | +41.2% |
| Drawdown | ||
| Below its high | 3.5%, high on Oct 6, 2026 | |
| Below its all-time high | 8.9%, high on Feb 8, 2021 | |
| Benchmark | ||
| What it tracks | Dow Jones U.S. Large-Cap Growth Total Stock Market Index | Biotech |
| Cost and size | ||
| Expense ratio | 0.04% | 0.35% |
| Net assets, SCHG as of Aug 31, 2026 and XBI as of Oct 27, 2026 | $63.0bn | $10.3bn |
| Active share vs the S&P 500 | 98% | |
| Holdings | ||
| Holdings in common | 2% | |
| Top ten holdings, share of the fund | 51.0% | 18% |
Holdings in common uses holdings dated Aug 31, 2026 and Oct 27, 2026. Method
Risk and return
Dec 18, 2009 to Oct 23, 2026 · 879 weekly returnsSCHG returned more: +1,156.7% to +807.2%. SCHG swung less: 18.5% to 29.5%. SCHG fell less at its worst: −34.2% to −61.5%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | SCHG | XBI | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +1,156.7% | +807.2% | SCHG | Price change plus distributions, reinvested. |
| Annualized | +16.2% | +13.9% | SCHG | Total return as a yearly rate. |
| Price return | +988.8% | +773.1% | SCHG | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 18.5% | 29.5% | SCHG | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 12.5% | 19.8% | SCHG | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −34.2% | −61.5% | SCHG | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.82 | 0.54 | SCHG | Return above Treasury bills per unit of volatility. |
| Sortino | 1.22 | 0.80 | SCHG | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.47 | 0.23 | SCHG | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 879 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, SCHG 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
SCHG and XBI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
SCHG and XBI do different jobs. What does each one do in a portfolio?
- What each follows. SCHG follows Dow Jones U.S. Large-Cap Growth Total Stock Market Index and XBI follows Biotech.
- Holdings in common. 2% 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 SCHG returned +6.8% and XBI +41.2% with distributions reinvested, a gap of 34.4 points.
Data as of Oct 28, 2026.
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SCHG
SCHG tracks an index of U.S. Large-Cap Growth. Over the year to Oct 28, 2026 it returned +6.8% with distributions reinvested, against +13.7% for its benchmark, the S&P 500 Index. The prospectus expense ratio is 0.04% a year. By its holdings filed for Aug 31, 2026, 95% of the fund by weight is stocks the S&P 500 also holds, across 192 positions, with the top ten at 51.0%. It sat 3.5% below its high of Oct 6, 2026 on Oct 28, 2026.
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 SCHG and XBI in the same category?
- SCHG 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, SCHG or XBI?
- In the year to Oct 28, 2026, with distributions reinvested, SCHG returned +6.8% and XBI +41.2%.
- Which is cheaper, SCHG or XBI?
- SCHG is cheaper, by 0.31 percentage points a year. That is about $31 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, SCHG against XBI, data as of Oct 28, 2026. https://etfiq.com/compare/any/schg-vs-xbi
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