Data as of Oct 28, 2026.
SCHH vs SGOV: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHH returned +8.7% to SGOV's +3.7%; 0% of their weight is in the same names.
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Net assets: $11.2bn on Aug 31, 2026 for Schwab U.S. REIT ETF, and $117.0bn on Oct 27, 2026 for iShares 0-3 Month Treasury Bond ETF.
Pair scorecard
SCHH costs 0.02 points a year less; their one-year returns differ by 5.0 points.
| Measure | SCHH | SGOV |
|---|---|---|
| Return | ||
| Total return, 1 year | +8.7% | +3.7% |
| Drawdown | ||
| Below its high | 8.5%, high on Jul 24, 2026 | |
| Benchmark | ||
| What it tracks | US REIT | ICE 0-3 Month US Treasury Securities Index |
| Cost and size | ||
| Expense ratio | 0.07% | 0.09% |
| Net assets, SCHH as of Aug 31, 2026 and SGOV as of Oct 27, 2026 | $11.2bn | $117.0bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 74% | |
| Top ten holdings, share of the fund | 51.6% | |
Holdings in common uses holdings dated Aug 31, 2026 and Oct 27, 2026. Method
Risk and return
Jun 5, 2020 to Oct 23, 2026 · 333 weekly returnsSCHH returned more: +38.8% to +20.8%. SGOV swung less: 0.3% to 18.3%. SGOV fell less at its worst: 0.0% to −33.1%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | SCHH | SGOV | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +38.8% | +20.8% | SCHH | Price change plus distributions, reinvested. |
| Annualized | +5.3% | +3.0% | SCHH | Total return as a yearly rate. |
| Price return | +15.4% | +0.6% | SCHH | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 18.3% | 0.3% | SGOV | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 12.4% | 0.2% | SGOV | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −33.1% | 0.0% | SGOV | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.20 | −0.46 | SCHH | Return above Treasury bills per unit of volatility. |
| Sortino | 0.30 | −0.57 | SCHH | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.16 | Not measured | Annualized return divided by the max drawdown. | |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 333 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, SCHH and SGOV 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
SCHH and SGOV on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
SCHH and SGOV do different jobs. What does each one do in a portfolio?
- What each follows. SCHH follows US REIT and SGOV follows ICE 0-3 Month US Treasury Securities 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 SCHH returned +8.7% and SGOV +3.7% with distributions reinvested, a gap of 5.0 points.
Data as of Oct 28, 2026.
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SCHH
SCHH tracks an index of US REIT. Over the year to Oct 28, 2026 it returned +8.7% with distributions reinvested. The prospectus expense ratio is 0.07% a year. By its holdings filed for Aug 31, 2026, 74% of the fund by weight is stocks the S&P 500 also holds, across 117 positions, with the top ten at 51.6%. It sat 8.5% below its high of Jul 24, 2026 on Oct 28, 2026.
SGOV
SGOV tracks an index of 0-3 month T-bills. Over the year to Oct 28, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.09% a year.
Questions people ask
- Which returned more over the last year, SCHH or SGOV?
- In the year to Oct 28, 2026, with distributions reinvested, SCHH returned +8.7% and SGOV +3.7%.
- Which is cheaper, SCHH or SGOV?
- SCHH is cheaper, by 0.02 percentage points a year. That is about $2 on $10,000 held for a year. Fees come from each fund's prospectus.
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How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
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ETFIQ, SCHH against SGOV, data as of Oct 28, 2026. https://etfiq.com/compare/any/schh-vs-sgov
ETFIQ. (Oct 28, 2026). SCHH against SGOV. Retrieved from https://etfiq.com/compare/any/schh-vs-sgov
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