HAUZ vs. SCMB
HAUZ (Xtrackers International Real Estate ETF) and SCMB (Schwab Municipal Bond ETF) are both exchange-traded funds - HAUZ is a REIT fund tracking the iSTOXX Developed and Emerging Markets ex USA PK VN Real Estate Index, while SCMB is a Municipal Bonds fund tracking the ICE AMT-Free Core U.S. National Municipal Index - Benchmark TR Gross. Both are passively managed. Over the past 3 years, HAUZ returned 7.69%/yr vs 3.26%/yr for SCMB. At a 0.32 correlation, their price movements are largely independent. HAUZ charges 0.10%/yr vs 0.03%/yr for SCMB.
Performance
HAUZ vs. SCMB - Performance Comparison
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Returns By Period
In the year-to-date period, HAUZ achieves a -0.58% return, which is significantly lower than SCMB's 1.07% return.
HAUZ
- 1D
- 0.56%
- 1M
- -0.62%
- YTD
- -0.58%
- 6M
- 1.03%
- 1Y
- 7.10%
- 3Y*
- 7.69%
- 5Y*
- -1.46%
- 10Y*
- 4.01%
SCMB
- 1D
- 0.00%
- 1M
- 1.12%
- YTD
- 1.07%
- 6M
- 1.59%
- 1Y
- 6.26%
- 3Y*
- 3.26%
- 5Y*
- —
- 10Y*
- —
HAUZ vs. SCMB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|---|
HAUZ Xtrackers International Real Estate ETF | -0.58% | 22.70% | -5.44% | 6.29% | 13.48% |
SCMB Schwab Municipal Bond ETF | 1.07% | 3.78% | 0.91% | 5.86% | 2.88% |
Correlation
The correlation between HAUZ and SCMB is 0.35, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.35 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.35 |
Correlation (All Time) Calculated using the full available price history since Oct 12, 2022 | 0.32 |
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Return for Risk
HAUZ vs. SCMB — Risk / Return Rank
HAUZ
SCMB
HAUZ vs. SCMB - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Xtrackers International Real Estate ETF (HAUZ) and Schwab Municipal Bond ETF (SCMB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| HAUZ | SCMB | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.67 | ||
| Sortino ratioReturn per unit of downside risk | -2.36 | ||
| Omega ratioGain probability vs. loss probability | 1.09 | 1.44 | -0.36 |
| Calmar ratioReturn relative to maximum drawdown | 0.43 | 2.08 | -1.65 |
| Martin ratioReturn relative to average drawdown | 1.21 | 6.87 | -5.66 |
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Drawdowns
HAUZ vs. SCMB - Drawdown Comparison
The maximum HAUZ drawdown since its inception was -39.51%, which is greater than SCMB's maximum drawdown of -6.13%. Use the drawdown chart below to compare losses from any high point for HAUZ and SCMB.
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Drawdown Indicators
| HAUZ | SCMB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -39.51% | -6.13% | -33.38% |
Max Drawdown (1Y)Largest decline over 1 year | -14.08% | -2.92% | -11.16% |
Max Drawdown (3Y)Largest decline over 3 years | -17.88% | -5.57% | -12.31% |
Max Drawdown (5Y)Largest decline over 5 years | -34.14% | — | — |
Max Drawdown (10Y)Largest decline over 10 years | -39.51% | — | — |
Current DrawdownCurrent decline from peak | -9.86% | -0.87% | -8.99% |
Average DrawdownAverage peak-to-trough decline | -11.75% | -1.32% | -10.43% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.04% | 0.88% | +4.16% |
Volatility
HAUZ vs. SCMB - Volatility Comparison
Xtrackers International Real Estate ETF (HAUZ) has a higher volatility of 4.34% compared to Schwab Municipal Bond ETF (SCMB) at 0.96%. This indicates that HAUZ's price experiences larger fluctuations and is considered to be riskier than SCMB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| HAUZ | SCMB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.34% | 0.96% | +3.38% |
Volatility (6M)Calculated over the trailing 6-month period | 11.67% | 2.16% | +9.51% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.02% | 2.89% | +11.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.97% | 4.15% | +11.82% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.97% | 4.15% | +12.82% |
HAUZ vs. SCMB - Expense Ratio Comparison
HAUZ has a 0.10% expense ratio, which is higher than SCMB's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
HAUZ vs. SCMB - Dividend Comparison
HAUZ's dividend yield for the trailing twelve months is around 4.49%, more than SCMB's 3.54% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HAUZ Xtrackers International Real Estate ETF | 4.49% | 4.46% | 4.50% | 3.50% | 1.99% | 4.84% | 3.37% | 3.69% | 1.93% | 2.59% | 2.18% | 9.42% |
SCMB Schwab Municipal Bond ETF | 3.54% | 3.36% | 3.34% | 3.10% | 0.59% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
HAUZ and SCMB have a correlation of 0.35, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
HAUZ has higher volatility (4.34%) compared to SCMB (0.96%). In terms of maximum drawdown, HAUZ dropped -39.51% vs SCMB's -6.13%.
On 3-year performance, HAUZ leads with 7.69% vs 3.26% for SCMB. On fees, SCMB is cheaper at 0.03% per year. On volatility, SCMB has been the lower-risk option at 0.96%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 3-year period, HAUZ has performed better with a 7.69% return vs 3.26%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
SCMB is cheaper with a 0.03% expense ratio, compared with 0.10% for HAUZ.
HAUZ has the higher dividend yield at 4.49%, compared with 3.54% for SCMB.
HAUZ is categorized as REIT, while SCMB is Municipal Bonds. HAUZ tracks iSTOXX Developed and Emerging Markets ex USA PK VN Real Estate Index, while SCMB tracks ICE AMT-Free Core U.S. National Municipal Index - Benchmark TR Gross. They also come from different issuers: DWS and Charles Schwab. Their fees differ too: 0.10% for HAUZ and 0.03% for SCMB.
SCMB currently has the higher Sharpe Ratio (2.11 vs 0.44), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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