SCHK vs. SCHH
SCHK (Schwab 1000 Index ETF) and SCHH (Schwab US REIT ETF) are both exchange-traded funds - SCHK is a Large Cap Blend Equities fund tracking the Schwab 1000 Index, while SCHH is a REIT fund tracking the Dow Jones Equity All REIT Capped Index. Both are passively managed. Over the past 5 years, SCHK returned 12.15%/yr vs 3.39%/yr for SCHH. A 0.57 correlation means they provide meaningful diversification when combined. SCHK charges 0.03%/yr vs 0.07%/yr for SCHH.
Performance
SCHK vs. SCHH - Performance Comparison
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Returns By Period
In the year-to-date period, SCHK achieves a 8.17% return, which is significantly lower than SCHH's 14.69% return.
SCHK
- 1D
- -0.34%
- 1M
- -1.28%
- YTD
- 8.17%
- 6M
- 6.80%
- 1Y
- 21.87%
- 3Y*
- 20.60%
- 5Y*
- 12.15%
- 10Y*
- —
SCHH
- 1D
- -0.63%
- 1M
- 0.59%
- YTD
- 14.69%
- 6M
- 14.47%
- 1Y
- 13.39%
- 3Y*
- 11.85%
- 5Y*
- 3.39%
- 10Y*
- 4.23%
SCHK vs. SCHH - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SCHK Schwab 1000 Index ETF | 8.17% | 17.23% | 24.48% | 26.63% | -19.51% | 26.17% | 20.75% | 31.31% | -5.09% | 5.24% |
SCHH Schwab US REIT ETF | 14.69% | 2.20% | 4.99% | 11.18% | -24.99% | 41.07% | -14.81% | 22.85% | -4.26% | 1.08% |
Correlation
The correlation between SCHK and SCHH is 0.25, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.25 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.43 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.57 |
Correlation (All Time) Calculated using the full available price history since Oct 11, 2017 | 0.57 |
Over the past year, the correlation between SCHK and SCHH has dropped to 0.25 - well below their long-term average of 0.57, suggesting their price drivers have been diverging.
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Return for Risk
SCHK vs. SCHH — Risk / Return Rank
SCHK
SCHH
SCHK vs. SCHH - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab 1000 Index ETF (SCHK) and Schwab US REIT ETF (SCHH). 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.
| SCHK | SCHH | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.75 | ||
| Sortino ratioReturn per unit of downside risk | +0.97 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.18 | +0.13 |
| Calmar ratioReturn relative to maximum drawdown | 2.45 | 1.62 | +0.83 |
| Martin ratioReturn relative to average drawdown | 10.86 | 5.12 | +5.74 |
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Drawdowns
SCHK vs. SCHH - Drawdown Comparison
The maximum SCHK drawdown since its inception was -34.80%, smaller than the maximum SCHH drawdown of -44.22%. Use the drawdown chart below to compare losses from any high point for SCHK and SCHH.
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Drawdown Indicators
| SCHK | SCHH | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.80% | -44.22% | +9.42% |
Max Drawdown (1Y)Largest decline over 1 year | -8.97% | -8.28% | -0.69% |
Max Drawdown (3Y)Largest decline over 3 years | -19.21% | -17.76% | -1.45% |
Max Drawdown (5Y)Largest decline over 5 years | -25.44% | -33.28% | +7.84% |
Max Drawdown (10Y)Largest decline over 10 years | — | -44.22% | — |
Current DrawdownCurrent decline from peak | -3.31% | -1.41% | -1.90% |
Average DrawdownAverage peak-to-trough decline | -5.16% | -9.42% | +4.26% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.02% | 2.65% | -0.63% |
Volatility
SCHK vs. SCHH - Volatility Comparison
The current volatility for Schwab 1000 Index ETF (SCHK) is 4.95%, while Schwab US REIT ETF (SCHH) has a volatility of 5.41%. This indicates that SCHK experiences smaller price fluctuations and is considered to be less risky than SCHH based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SCHK | SCHH | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.95% | 5.41% | -0.46% |
Volatility (6M)Calculated over the trailing 6-month period | 10.07% | 10.43% | -0.36% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.82% | 13.84% | -1.02% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 17.34% | 18.77% | -1.43% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 19.12% | 21.01% | -1.89% |
SCHK vs. SCHH - Expense Ratio Comparison
SCHK has a 0.03% expense ratio, which is lower than SCHH's 0.07% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
SCHK vs. SCHH - Dividend Comparison
SCHK's dividend yield for the trailing twelve months is around 1.03%, less than SCHH's 2.73% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SCHH Schwab US REIT ETF | 2.73% | 3.04% | 3.22% | 3.24% | 2.55% | 1.50% | 2.86% | 2.86% | 3.64% | 2.22% | 2.81% | 2.48% |
SCHK Schwab 1000 Index ETF | 1.03% | 1.09% | 1.20% | 1.38% | 1.57% | 1.17% | 1.58% | 1.82% | 1.80% | 0.31% | 0.00% | 0.00% |
Frequently Asked Questions
SCHK and SCHH have a correlation of 0.25, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SCHH has higher volatility (5.41%) compared to SCHK (4.95%). In terms of maximum drawdown, SCHK dropped -34.80% vs SCHH's -44.22%.
On 5-year performance, SCHK leads with 12.15% vs 3.39% for SCHH. On fees, SCHK is cheaper at 0.03% per year. On volatility, SCHK has been the lower-risk option at 4.95%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 5-year period, SCHK has performed better with a 12.15% return vs 3.39%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
SCHK is cheaper with a 0.03% expense ratio, compared with 0.07% for SCHH.
SCHH has the higher dividend yield at 2.73%, compared with 1.03% for SCHK.
SCHK is categorized as Large Cap Blend Equities, while SCHH is REIT. SCHK tracks Schwab 1000 Index, while SCHH tracks Dow Jones Equity All REIT Capped Index. Their fees differ too: 0.03% for SCHK and 0.07% for SCHH.
SCHK currently has the higher Sharpe Ratio (1.72 vs 0.97), 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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