USRT vs. SCHC
USRT (iShares Core U.S. REIT ETF) and SCHC (Schwab International Small-Cap Equity ETF) are both exchange-traded funds - USRT is a REIT fund tracking the FTSE Nareit Equity REITS 40 Act Capped Index, while SCHC is a Foreign Small & Mid Cap Equities fund tracking the FTSE Developed Small Cap ex U.S. Liquid Index. Both are passively managed. Over the past 10 years, USRT returned 6.04%/yr vs 7.81%/yr for SCHC. A 0.53 correlation means they provide meaningful diversification when combined. Both charge a 0.08% expense ratio.
Performance
USRT vs. SCHC - Performance Comparison
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Returns By Period
In the year-to-date period, USRT achieves a 21.46% return, which is significantly higher than SCHC's 4.65% return. Over the past 10 years, USRT has underperformed SCHC with an annualized return of 6.04%, while SCHC has yielded a comparatively higher 7.81% annualized return.
USRT
- 1D
- -0.39%
- 1M
- 6.03%
- 6M
- 16.02%
- YTD
- 21.46%
- 1Y
- 23.91%
- 3Y*
- 11.84%
- 5Y*
- 5.46%
- 10Y*
- 6.04%
- ALL TIME*
- 5.61%
SCHC
- 1D
- -0.52%
- 1M
- -3.47%
- 6M
- 0.04%
- YTD
- 4.65%
- 1Y
- 15.26%
- 3Y*
- 14.41%
- 5Y*
- 5.82%
- 10Y*
- 7.81%
- ALL TIME*
- 6.92%
USRT vs. SCHC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USRT iShares Core U.S. REIT ETF | 21.46% | 2.44% | 8.58% | 13.64% | -24.43% | 43.26% | -8.06% | 25.98% | -4.67% | 5.27% |
SCHC Schwab International Small-Cap Equity ETF | 4.65% | 37.59% | 1.97% | 14.36% | -21.74% | 12.02% | 10.48% | 23.10% | -18.60% | 29.42% |
Correlation
The correlation between USRT and SCHC is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.37 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.51 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.57 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.50 |
Correlation (All Time) Calculated using the full available price history since Jan 14, 2010 | 0.53 |
The correlation between USRT and SCHC shifts across timeframes, from 0.37 (1 year) to 0.57 (5 years), reflecting how their relationship changes across market environments.
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Return for Risk
USRT vs. SCHC — Risk / Return Rank
USRT
SCHC
USRT vs. SCHC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares Core U.S. REIT ETF (USRT) and Schwab International Small-Cap Equity ETF (SCHC). 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.
| USRT | SCHC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.78 | ||
| Sortino ratioReturn per unit of downside risk | +1.01 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.17 | +0.12 |
| Calmar ratioReturn relative to maximum drawdown | 2.99 | 1.23 | +1.76 |
| Martin ratioReturn relative to average drawdown | 9.68 | 3.97 | +5.71 |
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Drawdowns
USRT vs. SCHC - Drawdown Comparison
The maximum USRT drawdown since its inception was -69.92%, which is greater than SCHC's maximum drawdown of -43.94%. Use the drawdown chart below to compare losses from any high point for USRT and SCHC.
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Drawdown Indicators
| USRT | SCHC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -69.92% | -43.94% | -25.98% |
Max Drawdown (1Y)Largest decline over 1 year | -8.04% | -12.48% | +4.44% |
Max Drawdown (3Y)Largest decline over 3 years | -18.70% | -15.30% | -3.40% |
Max Drawdown (5Y)Largest decline over 5 years | -31.03% | -36.48% | +5.45% |
Max Drawdown (10Y)Largest decline over 10 years | -44.38% | -43.94% | -0.44% |
Current DrawdownCurrent decline from peak | -0.39% | -7.55% | +7.16% |
Average DrawdownAverage peak-to-trough decline | -12.90% | -10.02% | -2.88% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.48% | 3.85% | -1.37% |
Volatility
USRT vs. SCHC - Volatility Comparison
iShares Core U.S. REIT ETF (USRT) has a higher volatility of 4.49% compared to Schwab International Small-Cap Equity ETF (SCHC) at 4.14%. This indicates that USRT's price experiences larger fluctuations and is considered to be riskier than SCHC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USRT | SCHC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.49% | 4.14% | +0.35% |
Volatility (6M)Calculated over the trailing 6-month period | 10.69% | 14.33% | -3.64% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.03% | 16.46% | -2.43% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 18.91% | 17.62% | +1.29% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 21.34% | 17.80% | +3.54% |
USRT vs. SCHC - Expense Ratio Comparison
Both USRT and SCHC have an expense ratio of 0.08%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Dividends
USRT vs. SCHC - Dividend Comparison
USRT's dividend yield for the trailing twelve months is around 2.49%, less than SCHC's 3.54% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SCHC Schwab International Small-Cap Equity ETF | 3.54% | 3.66% | 3.72% | 2.94% | 1.78% | 3.02% | 1.62% | 3.23% | 2.51% | 2.73% | 2.01% | 2.34% |
USRT iShares Core U.S. REIT ETF | 2.49% | 3.07% | 2.85% | 3.18% | 3.46% | 2.27% | 3.12% | 3.34% | 5.66% | 3.44% | 3.98% | 3.59% |
Frequently Asked Questions
USRT and SCHC have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USRT has higher volatility (4.49%) compared to SCHC (4.14%). In terms of maximum drawdown, USRT dropped -69.92% vs SCHC's -43.94%.
On 10-year performance, SCHC leads with 7.81% vs 6.04% for USRT. Both ETFs have the same 0.08% expense ratio. On volatility, SCHC has been the lower-risk option at 4.14%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 10-year period, SCHC has performed better with a 7.81% return vs 6.04%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
USRT and SCHC have the same expense ratio: 0.08% per year.
SCHC has the higher dividend yield at 3.54%, compared with 2.49% for USRT.
USRT is categorized as REIT, while SCHC is Foreign Small & Mid Cap Equities. USRT tracks FTSE Nareit Equity REITS 40 Act Capped Index, while SCHC tracks FTSE Developed Small Cap ex U.S. Liquid Index. They also come from different issuers: iShares and Charles Schwab.
USRT currently has the higher Sharpe Ratio (1.72 vs 0.93), 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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