Data as of Oct 28, 2026.
SCHH vs XBI: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHH returned +8.7% to XBI's +41.2%, and SCHH charges 0.07% to XBI's 0.35%.
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Net assets: $11.2bn on Aug 31, 2026 for Schwab U.S. REIT ETF, and $10.3bn on Oct 27, 2026 for State Street SPDR S&P Biotech ETF.
Pair scorecard
SCHH costs 0.28 points a year less; their one-year returns differ by 32.5 points.
| Measure | SCHH | XBI |
|---|---|---|
| Return | ||
| Total return, 1 year | +8.7% | +41.2% |
| Drawdown | ||
| Below its high | 8.5%, high on Jul 24, 2026 | |
| Below its all-time high | 8.9%, high on Feb 8, 2021 | |
| Benchmark | ||
| What it tracks | US REIT | Biotech |
| Cost and size | ||
| Expense ratio | 0.07% | 0.35% |
| Net assets, SCHH as of Aug 31, 2026 and XBI as of Oct 27, 2026 | $11.2bn | $10.3bn |
| Active share vs the S&P 500 | 98% | |
| Holdings | ||
| Holdings in common | 0% | |
| Top ten holdings, share of the fund | 51.6% | 18% |
Holdings in common uses holdings dated Aug 31, 2026 and Oct 27, 2026. Method
What they share
By the books each fund has filed, SCHH and XBI 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 XBI 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.
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 SCHH and XBI in the same category?
- SCHH 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, SCHH or XBI?
- In the year to Oct 28, 2026, with distributions reinvested, SCHH returned +8.7% and XBI +41.2%.
- Which is cheaper, SCHH or XBI?
- SCHH is cheaper, by 0.28 percentage points a year. That is about $28 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 XBI, data as of Oct 28, 2026. https://etfiq.com/compare/any/schh-vs-xbi
ETFIQ. (Oct 28, 2026). SCHH against XBI. Retrieved from https://etfiq.com/compare/any/schh-vs-xbi
[SCHH against XBI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/schh-vs-xbi)
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