Data as of Oct 28, 2026.
SCHH vs VBIL: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHH returned +8.7% to VBIL'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 $12.8bn on Sep 30, 2026 for Vanguard 0-3 Month Treasury Bill ETF.
Pair scorecard
VBIL costs 0.01 points a year less; their one-year returns differ by 5.0 points.
| Measure | SCHH | VBIL |
|---|---|---|
| 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 | Bloomberg U.S. Treasury Bills 0-3 Months Index |
| Cost and size | ||
| Expense ratio | 0.07% | 0.06% |
| Net assets, SCHH as of Aug 31, 2026 and VBIL as of Sep 30, 2026 | $11.2bn | $12.8bn |
| 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 Sep 30, 2026. Method
What they share
By the books each fund has filed, SCHH and VBIL hold 0% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026 and Sep 30, 2026.
half
0% in common
Only in one fund ↓
Side by side
SCHH and VBIL on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
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.
VBIL
VBIL tracks an index of 0-3 Month Treasury Bill. Over the year to Oct 28, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.06% a year.
Questions people ask
- Which returned more over the last year, SCHH or VBIL?
- In the year to Oct 28, 2026, with distributions reinvested, SCHH returned +8.7% and VBIL +3.7%.
- Which is cheaper, SCHH or VBIL?
- VBIL is cheaper, by 0.01 percentage points a year. That is about $1 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, SCHH against VBIL, data as of Oct 28, 2026. https://etfiq.com/compare/any/schh-vs-vbil
ETFIQ. (Oct 28, 2026). SCHH against VBIL. Retrieved from https://etfiq.com/compare/any/schh-vs-vbil
[SCHH against VBIL (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/schh-vs-vbil)
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