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

In the year to Oct 28, 2026, with distributions reinvested, SCHH returned +8.7% and USO +133.3%.

Which is cheaper, SCHH or USO?

SCHH is cheaper, by 0.79 percentage points a year. That is about $79 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

SCHH vs USO: Differences, Returns & Fees

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SCHH is an equity index fund and USO a commodity futures fund, and over the year to Oct 28, 2026, USO returned +133.3% against +8.7%.

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Net assets: $11.2bn on Aug 31, 2026 for Schwab U.S. REIT ETF, and $1.9bn on Oct 28, 2026 for United States Oil Fund, LP.

SCHH on its own →USO on its own →

At a glance

+8.7%

SCHH total return, 1 year

+133.3%

USO total return, 1 year

0.07%

SCHH expense ratio

0.86%

USO expense ratio

Pair scorecard

SCHH costs 0.79 points a year less; their one-year returns differ by 124.6 points.

SCHH vs USO: Differences, Returns & Fees
Measure	SCHH	USO
Return
Measure	SCHH	USO
Total return, 1 year	+8.7%	+133.3%
Drawdown
Measure	SCHH	USO
Below its high	8.5%, high on Jul 24, 2026	82.3%, high on Jul 14, 2008
Benchmark
Measure	SCHH	USO
What it tracks	US REIT	Oil futures
Cost and size
Measure	SCHH	USO
Expense ratio	0.07%	0.86%
Net assets, SCHH as of Aug 31, 2026 and USO as of Oct 28, 2026	$11.2bn	$1.9bn
Holdings
Measure	SCHH	USO
Holdings in common	not published
In the S&P 500, by weight	74%
Top ten holdings, share of the fund	51.6%

Method

Side by side

SCHH Schwab U.S. REIT ETF USO United States Oil Fund, LP

Where it sits Stock ETF Commodity ETF

Issuer Schwab USCF

What it is Tracks an index of US REIT Holds oil futures

Total return, 1 year +8.7% +133.3%

Expense ratio 0.07% 0.86%

Holdings 117 not counted

Net assets, SCHH as of Aug 31, 2026 and USO as of Oct 28, 2026 $11.2bn $1.9bn

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

Alert

About each fund

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.

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, SCHH or USO?: In the year to Oct 28, 2026, with distributions reinvested, SCHH returned +8.7% and USO +133.3%.
Which is cheaper, SCHH or USO?: SCHH is cheaper, by 0.79 percentage points a year. That is about $79 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

SCHH vs SIVR BWET vs SCHH SCHH vs SLV GLD vs SCHH USO vs XLRE USO vs VNQ IYR vs USO USO vs XLP

Where to next

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

Sources and dates

SCHH filings on SEC EDGAR ↗

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

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