SCHH — Schwab U.S. REIT ETF

SCHH Price Performance — Growth of $10,000

Value of a $10,000 investment in SCHH over time, compared with SPY. Both lines are rebased to $10,000 on the first shared date. Based on total returns — prices are adjusted for dividends and splits, so this assumes distributions were reinvested. Hover or tap the chart for exact values.

SCHH Drawdown

The "underwater" chart: SCHH's decline from its highest prior value at each point in time. It shows how deep past losses ran and how long the fund took to recover to break-even.

Overview

The Schwab U.S. REIT ETF (SCHH) is a Real Estate category ETF issued by Schwab ETFs, which is one of the 11 ETFs tracked in this category. With an overall rank of #247 out of 458 tracked ETFs, it is positioned in the middle of the pack. The ETF has an expense ratio of 0.07%, indicating it is relatively cost-effective. It offers a dividend yield of 2.72%, providing a steady income stream for investors. The fund's assets under management (AUM) stand at $11.5B, suggesting a significant level of investor adoption and confidence in the ETF's performance and management.

The performance of the Schwab U.S. REIT ETF (SCHH) shows a mixed picture across different time horizons. Over the past year, the ETF has gained 16.34%, which is relatively strong. However, in the shorter term, the ETF has experienced some volatility, with a 1-day return of -0.08% and a 1-week return of -0.29%. This suggests that the ETF can be somewhat unpredictable in the short term. The 1-month return of -1.23% indicates a slight decline, but the 3-month and 6-month returns of 2.37% and 6.66%, respectively, show a recovery and improvement in performance. The year-to-date (YTD) return of 16.41% and the 3-year return of 38.38% further support a positive trend over the long term, suggesting that the ETF has been resilient and has shown consistent growth over time.

The Schwab U.S. REIT ETF (SCHH) is labeled as having low volatility, which implies that it is less susceptible to market fluctuations compared to more volatile funds. Its beta of 0.98 indicates that it is slightly more sensitive to market movements than the overall market, but still within a manageable range. The Sharpe ratio of 0.82 suggests that the ETF provides a good risk-adjusted return, meaning that the returns are adequate relative to the level of risk taken. The maximum drawdown of -17.75% indicates that the ETF has experienced a significant decline in value at one point, but it has since recovered. This combination of low volatility, a moderate beta, a favorable Sharpe ratio, and a manageable drawdown suggests that the ETF is suitable for investors who are looking for a relatively stable investment with a good balance between risk and reward, especially in a market environment where real estate investments are a key component of a diversified portfolio.

AI-generated summary based on the data on this page.

SCHH Top Holdings

Holdings as of 2026-05-31 per the fund's most recent SEC N-PORT-P filing. Top 10 holdings make up 49.7% of net assets — a rough gauge of concentration risk (the higher this figure, the more the fund's return depends on a handful of names). To see how SCHH's holdings overlap with other ETFs you own or are considering, check the Stock Overlap tool.

Which Funds Overlap With SCHH

Holding two funds that own the same companies adds cost and complexity without adding much diversification. These tracked ETFs share the most names with SCHH's top 10 — XLRE overlaps most, holding 9 of the same companies as SCHH's top 10 (46.8% of SCHH's assets).

Compares the top 10 reported holdings of each fund, so it's a floor on true overlap — two S&P 500 trackers overlap ~100% even when only 10 names are listed. Use the Stock Overlap tool to search by individual company.

Market Backdrop

10-Year Treasury Yield: 4.69% (as of 2026-08-20) — The yield on 10-year US Treasury bonds — the standard "risk-free rate" benchmark used to contextualize this fund’s Sharpe ratio and returns.

CBOE Volatility Index (VIX): 16.01 (as of 2026-08-20) — A real-time gauge of expected S&P 500 volatility over the next 30 days — useful context for this fund’s own volatility label.

Federal Funds Rate: 3.63% (as of 2026-07-01) — The Federal Reserve’s target policy rate, which anchors short-term borrowing costs across the economy.

See it in a portfolio

SCHH isn't one of the twelve funds in the portfolio game, but VNQ — Property — sits in the same category and is. It is an equivalent, not a substitute: different holdings, different fee, different returns.

Free, no sign-up, virtual money only.

SCHH Liquidity, Domicile & Tax Treatment

Liquidity: Quoted bid/ask spread is 0.92% and average daily volume is 6.1M/day. Tighter spreads and higher volume mean lower round-trip trading costs; this is a live-market snapshot and can widen during volatile sessions. AUM of $11.5B provides ample scale, supporting tight spreads and issuer commitment to keep the fund open.

Domicile & tax treatment: SCHH is a US-domiciled, SEC-registered ('40 Act) exchange-traded fund. Dividends and capital gains distributions are reported to US investors on Form 1099-DIV, and the fund is not subject to the PFIC reporting or UCITS-specific rules that apply to Irish- or Luxembourg-domiciled funds. Non-US investors should note that US-domiciled ETFs are generally subject to 30% US withholding tax on dividends (unless reduced by treaty) and to US estate tax exposure on the position — Irish-domiciled UCITS ETFs tracking the same index often avoid both, which is why non-US residents frequently prefer the UCITS equivalent where one exists. This is general information, not tax advice — consult a tax professional for your situation.

SCHH Performance History

How SCHH Compares to Other Real Estate ETFs