Data as of Oct 28, 2026.

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SCHP vs XLK: Differences, Returns & Fees

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Over the year to Oct 28, 2026, SCHP returned −0.8% to XLK's +27.1%; 0% of their weight is in the same names.

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Net assets: $16.5bn on Jun 30, 2026 for Schwab U.S. TIPS ETF, and $125.0bn on Oct 27, 2026 for State Street Technology Select Sector SPDR ETF.

At a glance
−0.8%
SCHP total return, 1 year
+27.1%
XLK total return, 1 year
0.03%
SCHP expense ratio
0.08%
XLK expense ratio

Pair scorecard

SCHP costs 0.05 points a year less; their one-year returns differ by 27.9 points.

SCHP vs XLK: Differences, Returns & Fees
MeasureSCHPXLK
Return
Total return, 1 year−0.8%+27.1%
Drawdown
Below its high5.4%, high on Oct 6, 2026
Benchmark
What it tracksUS TIPSTechnology Select Sector Index
Cost and size
Expense ratio0.03%0.08%
Net assets, SCHP as of Jun 30, 2026 and XLK as of Oct 27, 2026$16.5bn$125.0bn
Holdings
Holdings in common0%
In the S&P 500, by weight100%
Top ten holdings, share of the fund64.6%

Holdings in common uses holdings dated Jun 30, 2026 and Oct 27, 2026. Method

What they share

0%

By the books each fund has filed, SCHP and XLK hold 0% of their money in the same securities at the same weight. Holdings dated Jun 30, 2026 and Oct 27, 2026.

0 half 100%

half

0% in common

Positions both hold · largest shared weight first SCHP XLK
Only in one fund ↓
Only in SCHP
United States Treasury 4.07%
United States Treasury 4.01%
United States Treasury 4.00%
United States Treasury 3.77%
United States Treasury 3.60%
United States Treasury 3.40%
United States Treasury 3.38%
United States Treasury 3.36%
Only in XLK
NVIDIA CORP 15.22%
APPLE INC 14.62%
MICROSOFT CORP 11.38%
ADVANCED MICRO DEVICES 4.78%
BROADCOM INC 4.70%
MICRON TECHNOLOGY INC 4.02%
INTEL CORP 2.72%
PALANTIR TECHNOLOGIES INC A 2.67%
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Side by side

SCHP Schwab U.S. TIPS ETF XLK State Street Technology Select Sector SPDR ETF
Where it sits Bond ETF Stock ETF
What it is Tracks an index of US TIPS Tracks an index of Technology
Total return, 1 year −0.8% +27.1%
Its benchmark over the same days −1.4% (AGG) +13.6% (SPY)
Gap to its benchmark +0.6 pts vs AGG +13.5 pts vs SPY
Expense ratio 0.03% 0.08%
Holdings 48 76
Net assets, SCHP as of Jun 30, 2026 and XLK as of Oct 27, 2026 $16.5bn $125.0bn

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

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About each fund
SCHP

SCHP tracks an index of US TIPS. Over the year to Oct 28, 2026 it returned −0.8% with distributions reinvested, against −1.4% for its benchmark, the Bloomberg US Aggregate Bond Index. The prospectus expense ratio is 0.03% a year.

XLK

XLK tracks an index of Technology. Over the year to Oct 28, 2026 it returned +27.1% with distributions reinvested, against +13.6% for its benchmark, the S&P 500 Index. 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 76 positions, with the top ten at 64.6%. It sat 5.4% below its high of Oct 6, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, SCHP or XLK?
In the year to Oct 28, 2026, with distributions reinvested, SCHP returned −0.8% and XLK +27.1%.
Which is cheaper, SCHP or XLK?
SCHP is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.
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ETFIQ, SCHP against XLK, data as of Oct 28, 2026. https://etfiq.com/compare/any/schp-vs-xlk

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