SCHH vs. XLRI

Last updated Jul 12, 2026

SCHH (Schwab US REIT ETF) and XLRI (State Street Real Estate Select Sector SPDR Premium Income ETF) are both exchange-traded funds - SCHH is a REIT fund tracking the Dow Jones Equity All REIT Capped Index, while XLRI is a Derivative Income fund actively managed by State Street. SCHH is passively managed, while XLRI is actively managed. Their correlation of 0.94 suggests significant overlap in exposure. SCHH charges 0.07%/yr vs 0.35%/yr for XLRI.

Performance

SCHH vs. XLRI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab US REIT ETF (SCHH) and State Street Real Estate Select Sector SPDR Premium Income ETF (XLRI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, SCHH achieves a 15.79% return, which is significantly higher than XLRI's 6.80% return.

SCHH

• 1D: 0.38%
• 1M: -0.46%
• 6M: 14.48%
• YTD: 15.79%
• 1Y: 15.72%
• 3Y*: 9.61%
• 5Y*: 3.13%
• 10Y*: 3.64%

XLRI

• 1D: 0.57%
• 1M: -0.46%
• 6M: 6.38%
• YTD: 6.80%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

SCHH vs. XLRI - Yearly Performance Comparison

	2026 (YTD)	2025
SCHH Schwab US REIT ETF	15.79%	-1.45%
XLRI State Street Real Estate Select Sector SPDR Premium Income ETF	6.80%	-0.57%

Correlation

The correlation between SCHH and XLRI is 0.94, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (All Time) Calculated using the full available price history since Jul 30, 2025	0.94

Return for Risk

SCHH vs. XLRI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SCHH

SCHH Risk / Return Rank: 41
SCHH Sharpe Ratio Rank: 39
SCHH Sortino Ratio Rank: 37
SCHH Omega Ratio Rank: 36
SCHH Calmar Ratio Rank: 47
SCHH Martin Ratio Rank: 45

XLRI

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SCHH vs. XLRI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab US REIT ETF (SCHH) and State Street Real Estate Select Sector SPDR Premium Income ETF (XLRI). 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.

	SCHH	XLRI	Difference
Sharpe ratio: Return per unit of total volatility	1.14	—	—
Sortino ratio: Return per unit of downside risk	1.61	—	—
Omega ratio: Gain probability vs. loss probability	1.20	—	—
Calmar ratio: Return relative to maximum drawdown	1.91	—	—
Martin ratio: Return relative to average drawdown	6.01	—	—

Drawdowns

SCHH vs. XLRI - Drawdown Comparison

The maximum SCHH drawdown since its inception was -44.22%, which is greater than XLRI's maximum drawdown of -7.12%. Use the drawdown chart below to compare losses from any high point for SCHH and XLRI.

Drawdown Indicators

	SCHH	XLRI	Difference
Max Drawdown Largest peak-to-trough decline	-44.22%	-7.12%	-37.10%
Max Drawdown (1Y) Largest decline over 1 year	-8.28%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-17.76%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-33.28%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-44.22%	—	—
Current Drawdown Current decline from peak	-1.36%	-0.96%	-0.40%
Average Drawdown Average peak-to-trough decline	-9.40%	-1.62%	-7.78%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.63%	—	—

Volatility

Volatility by Period

	SCHH	XLRI	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.92%	—	—
Volatility (6M) Calculated over the trailing 6-month period	10.85%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	13.96%	11.23%	+2.73%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	18.79%	11.23%	+7.56%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	21.01%	11.23%	+9.78%

SCHH vs. XLRI - Expense Ratio Comparison

SCHH has a 0.07% expense ratio, which is lower than XLRI's 0.35% expense ratio.

Dividends

SCHH vs. XLRI - Dividend Comparison

SCHH's dividend yield for the trailing twelve months is around 2.77%, less than XLRI's 13.73% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SCHH Schwab US REIT ETF	2.77%	3.04%	3.22%	3.24%	2.55%	1.50%	2.86%	2.86%	3.64%	2.22%	2.81%	2.48%
XLRI State Street Real Estate Select Sector SPDR Premium Income ETF	13.73%	6.85%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both SCHH and XLRI in my portfolio?

With a correlation of 0.94, SCHH and XLRI move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which ETF is better, SCHH or XLRI?

On fees, SCHH is cheaper at 0.07% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, SCHH or XLRI?

SCHH is cheaper with a 0.07% expense ratio, compared with 0.35% for XLRI.

Which ETF pays a higher dividend yield, SCHH or XLRI?

XLRI has the higher dividend yield at 13.73%, compared with 2.77% for SCHH.

What is the main difference between SCHH and XLRI?

SCHH is categorized as REIT, while XLRI is Derivative Income. They also come from different issuers: Charles Schwab and State Street. Their fees differ too: 0.07% for SCHH and 0.35% for XLRI.