What is the expense ratio of SCHB vs SCHF?

SCHB has an expense ratio of 0.03%, while SCHF has an expense ratio of 0.03%.

SCHB vs SCHF

Schwab U.S. Broad Market ETF vs Schwab International Equity ETF

Last updated: 2026-04-10

SCHB Schwab

Schwab U.S. Broad Market ETF (SCHB) is an exchange-traded fund issued by Schwab that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.13%. Launched in 2009, the fund has a 17-year track record.

AUM: $38.5B ER: 0.03% Yield: 1.13% Since: Nov 3, 2009

SCHF Schwab

Schwab International Equity ETF (SCHF) is an exchange-traded fund issued by Schwab that provides exposure to equities in developed international markets outside the U.S.. It charges a very low expense ratio of 0.03%. The fund offers an attractive dividend yield of 3.14%. Launched in 2009, the fund has a 17-year track record.

AUM: $61.8B ER: 0.03% Yield: 3.14% Since: Nov 3, 2009

Quick Verdict

Over the past year, SCHF has significantly outperformed with a 39.8% return vs 30.1%. Income investors may prefer SCHF for its higher yield (3.1% vs 1.1%).

Key Metrics

Metric	SCHB	SCHF
Expense Ratio	0.03%	0.03%
Dividend Yield	1.1%	3.1%
Fund Family	Schwab	Schwab
Category	US Total Market	International Developed

Performance Chart

Indexed to 100 at start (5-year comparison)

SCHB +57.1%

SCHF +35.8%

Performance Comparison

Period	SCHB	SCHF	Difference
1 Month	+0.69%	+2.99%	-2.30%
3 Months	-2.24%	+4.48%	-6.72%
6 Months	+2.54%	+12.43%	-9.89%
YTD	-0.27%	+7.31%	-7.58%
1 Year	+30.09%	+39.79%	-9.70%
3 Years	+64.72%	+48.69%	+16.03%
5 Years	+57.06%	+35.83%	+21.23%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment	Period	SCHB Fees	SCHF Fees	You Save
$10,000	10 years	$60	$60	$0
$10,000	20 years	$258	$258	$0
$10,000	30 years	$835	$835	$0
$50,000	10 years	$299	$299	$0
$50,000	30 years	$4,176	$4,176	$0
$100,000	30 years	$8,352	$8,352	$0

Risk Metrics

Based on 5 years of daily returns

Metric	SCHB	SCHF
Annualized Volatility	17.3%	16.4%
Max Drawdown	-26.2%	-31.4%
Sharpe Ratio	0.35	0.18

Dividend Comparison

Metric	SCHB	SCHF
Annual Dividend (per share)	$0.30	$0.82
Dividend Yield	1.12%	3.14%
Distribution Frequency	Quarterly	Semi-Annual or Annual

Top Holdings

0 of top 9 holdings overlap (0% overlap in top holdings)

SCHB Top Holdings

Name	Weight
NVIDIA CorporationNVDA	6.76%
Apple Inc.AAPL	5.81%
Microsoft CorporationMSFT	4.32%
Amazon.com, Inc.AMZN	3.26%
Broadcom Inc.AVGO	2.47%
Alphabet Inc.GOOG	2.22%
Meta Platforms, Inc.META	1.96%
Tesla, Inc.TSLA	1.52%
Berkshire Hathaway Inc.BRK.B	1.37%

SCHF Top Holdings

Name	Weight
Samsung Electronics Co., Ltd.!krx/005930	2.23%
ASML Holding N.V.!ams/ASML	1.93%
SK hynix Inc.!krx/000660	1.18%
AstraZeneca PLC!lon/AZN	1.13%
Novartis AG!swx/NOVN	1.10%
HSBC Holdings plc!lon/HSBA	1.07%
Shell plc!lon/SHEL	0.99%
Nestlé S.A.!swx/NESN	0.94%
Royal Bank of Canada!tsx/RY	0.85%

Which One Should You Choose?

Choose SCHF if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

Choose SCHF if...

you prioritize dividend income and want higher regular distributions from your portfolio.

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