SCHH vs SCHP
Schwab U.S. REIT ETF vs Schwab U.S. TIPS ETF
Last updated: 2026-04-10
Schwab U.S. REIT ETF (SCHH) is an exchange-traded fund issued by Schwab that provides exposure to U.S. real estate investment trusts (REITs) and real estate companies. It charges a low expense ratio of 0.07%. The fund offers an attractive dividend yield of 2.88%. Launched in 2011, the fund has a 15-year track record.
Schwab U.S. TIPS ETF (SCHP) is an exchange-traded fund issued by Schwab that provides exposure to us tips securities. It charges a very low expense ratio of 0.03%. The fund offers an attractive dividend yield of 3.69%. Launched in 2010, the fund has a 16-year track record.
Quick Verdict
SCHP has a slightly lower expense ratio (0.03% vs 0.07%), saving about $80 per $10,000 over 10 years. Over the past year, SCHH has significantly outperformed with a 15.3% return vs 2.0%. Income investors may prefer SCHP for its higher yield (3.7% vs 2.9%).
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
SCHH Top Holdings
| Name | Weight |
|---|---|
| Welltower Inc.WELL | 10.02% |
| Prologis, Inc.PLD | 8.82% |
| Equinix, Inc.EQIX | 4.89% |
| Digital Realty Trust, Inc.DLR | 4.43% |
| Simon Property Group, Inc.SPG | 4.41% |
| Realty Income CorporationO | 4.31% |
| American Tower CorporationAMT | 4.29% |
| Public StoragePSA | 3.32% |
| Ventas, Inc.VTR | 2.99% |
| Crown Castle Inc.CCI | 2.78% |
Which One Should You Choose?
Choose SCHP if...
you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.
Choose SCHH if...
recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.
Choose SCHP if...
you prioritize dividend income and want higher regular distributions from your portfolio.