SCHD vs SCHF
Schwab U.S. Dividend Equity ETF vs Schwab International Equity ETF
Last updated: 2026-04-10
Schwab U.S. Dividend Equity ETF (SCHD) is an exchange-traded fund issued by Schwab that provides exposure to U.S. dividend-paying stocks selected for yield or dividend growth. It charges a low expense ratio of 0.06%. The fund offers an attractive dividend yield of 3.44%. Launched in 2011, the fund has a 15-year track record.
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.
Quick Verdict
SCHF has a slightly lower expense ratio (0.03% vs 0.06%), saving about $60 per $10,000 over 10 years. Over the past year, SCHF has significantly outperformed with a 39.8% return vs 22.8%.
Key Metrics
Performance Chart
Indexed to 100 at start (5-year comparison)
Performance Comparison
Fee Impact Over Time
Estimated fee cost difference assuming 8% annual returns
Risk Metrics
Based on 5 years of daily returns
Dividend Comparison
Top Holdings
0 of top 9 holdings overlap (0% overlap in top holdings)
SCHD Top Holdings
| Name | Weight |
|---|---|
| Chevron CorporationCVX | 4.41% |
| ConocoPhillipsCOP | 4.28% |
| Merck & Co., Inc.MRK | 4.15% |
| The Coca-Cola CompanyKO | 4.08% |
| Texas Instruments IncorporatedTXN | 4.07% |
| UnitedHealth Group IncorporatedUNH | 3.98% |
| Verizon Communications Inc.VZ | 3.96% |
| PepsiCo, Inc.PEP | 3.95% |
| Abbott LaboratoriesABT | 3.73% |
| Amgen Inc.AMGN | 3.73% |
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...
you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.
Choose SCHF if...
recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.