Data as of Oct 28, 2026.
SCHH vs XLF: Differences, Returns & Fees
Over the year to Oct 28, 2026, SCHH returned +8.7% to XLF's +7.6%; 0% of their weight is in the same names.
askIQ about this page
askIQ about SCHH and XLF
Net assets: $11.2bn on Aug 31, 2026 for Schwab U.S. REIT ETF, and $51.6bn on Oct 27, 2026 for State Street Financial Select Sector SPDR ETF.
Pair scorecard
SCHH costs 0.01 points a year less; their one-year returns differ by 1.1 points.
| Measure | SCHH | XLF |
|---|---|---|
| Return | ||
| Total return, 1 year | +8.7% | +7.6% |
| Drawdown | ||
| Below its high | 8.5%, high on Jul 24, 2026 | 3.8%, high on Sep 3, 2026 |
| Benchmark | ||
| What it tracks | US REIT | Financial Select Sector Index |
| Cost and size | ||
| Expense ratio | 0.07% | 0.08% |
| Net assets, SCHH as of Aug 31, 2026 and XLF as of Oct 27, 2026 | $11.2bn | $51.6bn |
| Holdings | ||
| Holdings in common | 0% | |
| Top ten holdings, share of the fund | 51.6% | 57.4% |
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 XLF 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 XLF 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.
XLF
XLF tracks an index of Financials. Over the year to Oct 28, 2026 it returned +7.6% with distributions reinvested. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 77 positions, with the top ten at 57.4%. It sat 3.8% below its high of Sep 3, 2026 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, SCHH or XLF?
- In the year to Oct 28, 2026, with distributions reinvested, SCHH returned +8.7% and XLF +7.6%.
- Which is cheaper, SCHH or XLF?
- SCHH 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.
Cite this pageCitation, APA and Markdown
ETFIQ, SCHH against XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/schh-vs-xlf
ETFIQ. (Oct 28, 2026). SCHH against XLF. Retrieved from https://etfiq.com/compare/any/schh-vs-xlf
[SCHH against XLF (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/schh-vs-xlf)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.