ETF Versus

SCHF vs SCHG

Schwab International Equity ETF vs Schwab U.S. Large-Cap Growth ETF

Last updated: 2026-04-10

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
SCHG Schwab

Schwab U.S. Large-Cap Growth ETF (SCHG) is an exchange-traded fund issued by Schwab that provides exposure to large-cap U.S. growth stocks with above-average earnings potential. It charges a very low expense ratio of 0.04%. The fund offers a modest dividend yield of 0.41%. Launched in 2009, the fund has a 17-year track record.

AUM: $50.6B ER: 0.04% Yield: 0.41% Since: Dec 11, 2009

Quick Verdict

Both funds have nearly identical expense ratios (0.03% vs 0.04%), so fees are not a differentiator here. Over the past year, SCHF has significantly outperformed with a 39.8% return vs 27.6%. Income investors may prefer SCHF for its higher yield (3.1% vs 0.4%).

Key Metrics

Metric SCHF SCHG
Expense Ratio 0.03% 0.04%
Dividend Yield 3.1% 0.4%
Fund Family Schwab Schwab
Category International Developed US Large Cap Growth

Performance Chart

Indexed to 100 at start (5-year comparison)

70 95 120 145 170 195 2021-04 2022-07 2023-10 2025-01 2026-04
SCHF +35.8%
SCHG +76.7%

Performance Comparison

Period SCHF SCHG Difference
1 Month +2.99% -0.96% +3.95%
3 Months +4.48% -7.31% +11.79%
6 Months +12.43% -4.79% +17.22%
YTD +7.31% -6.14% +13.45%
1 Year +39.79% +27.58% +12.21%
3 Years +48.69% +89.00% -40.31%
5 Years +35.83% +76.66% -40.83%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period SCHF Fees SCHG Fees You Save
$10,000 10 years $60 $80 $20
$10,000 20 years $258 $344 $86
$10,000 30 years $835 $1,112 $277
$50,000 10 years $299 $399 $100
$50,000 30 years $4,176 $5,560 $1,385
$100,000 30 years $8,352 $11,121 $2,769

Risk Metrics

Based on 5 years of daily returns

Metric SCHF SCHG
Annualized Volatility 16.4% 22.3%
Max Drawdown -31.4% -35.0%
Sharpe Ratio 0.18 0.42

Dividend Comparison

Metric SCHF SCHG
Annual Dividend (per share) $0.82 $0.13
Dividend Yield 3.14% 0.41%
Distribution Frequency Semi-Annual or Annual Quarterly

Top Holdings

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

SCHF Top Holdings

NameWeight
Samsung Electronics Co., Ltd.!krx/0059302.23%
ASML Holding N.V.!ams/ASML1.93%
SK hynix Inc.!krx/0006601.18%
AstraZeneca PLC!lon/AZN1.13%
Novartis AG!swx/NOVN1.10%
HSBC Holdings plc!lon/HSBA1.07%
Shell plc!lon/SHEL0.99%
Nestlé S.A.!swx/NESN0.94%
Royal Bank of Canada!tsx/RY0.85%

SCHG Top Holdings

NameWeight
NVIDIA CorporationNVDA11.69%
Apple Inc.AAPL10.04%
Microsoft CorporationMSFT7.34%
Amazon.com, Inc.AMZN5.71%
Broadcom Inc.AVGO4.39%
Alphabet Inc.GOOG3.89%
Meta Platforms, Inc.META3.65%
Tesla, Inc.TSLA3.36%
Eli Lilly and CompanyLLY2.87%

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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