What does the expense ratio mean when comparing these two funds?

The expense ratio is the annual fee deducted from fund assets. SCHH charges 0.07% while VOO charges 0.03%. Although both are low, VOO's fee is 0.04 percentage points lower. Over long periods, even small fee differences can reduce compound growth. Investors should note that fees are deducted automatically, affecting net returns regardless of performance. Always check the latest prospectus for current rates, as these figures can change. Understanding fees helps compare cost efficiency between similar investment products.

How do sector exposures differ between these ETFs?

SCHH is categorised under Real Estate, focusing on property trusts. VOO falls under Large Blend, tracking broad US market segments. The provided data states that specific sector weights are not available for either fund. This limits precise analysis of industry concentration. However, the category labels indicate fundamentally different exposures. Investors cannot infer exact sector splits from the current data. It is essential to consult detailed holdings reports or official fund documents for comprehensive sector breakdowns when evaluating diversification benefits.

What does net asset size indicate for these funds?

Net assets reflect the total value of holdings. VOO has $1.08 trillion, indicating massive scale and liquidity. SCHH has $10.8 billion, which is substantial but significantly smaller. Larger funds often benefit from economies of scale, potentially supporting lower fees. However, size alone does not guarantee better performance. Both funds are accessible to retail investors. The difference in scale highlights varying market penetration and investor demand. Investors should consider liquidity needs, as larger funds typically have tighter bid-ask spreads during trading hours.

How do the top holdings compare between the two funds?

The top ten holdings for SCHH include WELL, PLD and DLR, which are Real Estate Investment Trusts. VOO's top ten include NVDA, AAPL and MSFT, which are technology and consumer companies. The shared top-ten holdings are none. This indicates minimal overlap in current largest positions. Investors seeking real estate exposure will find distinct components in SCHH. VOO provides broader equity exposure across large US firms. Comparing holdings helps understand underlying drivers, though weights change regularly with market performance and rebalancing activities.

Which fund offers a higher dividend yield?

SCHH lists a dividend yield of 2.88%, while VOO shows 1.03%. SCHH's yield is higher, partly due to REITs distributing taxable income. VOO's yield is lower as many growth companies reinvest profits. Dividend yields fluctuate with price changes and payout policies. High yield does not always mean higher total return. Investors must consider tax implications, as REIT distributions may be taxed differently than standard dividends. Verify current yields via fund websites, as past rates do not predict future payments accurately.

What index do these funds track?

The provided data states that the specific index tracked by SCHH is not available. Similarly, the index tracked by VOO is listed as not available in the fund data. Generally, SCHH tracks a US REIT index, while VOO tracks the S&P 500. However, without explicit index names in this dataset, precise benchmarking is difficult. Investors should refer to official fund fact sheets to identify benchmarks. Tracking accurate indices ensures the fund matches intended market segments and performance expectations for strategic asset allocation.

Are there concentration risks in the top holdings?

SCHH's top holding, WELL, accounts for 11.14% of assets. VOO's largest, NVDA, is 8.08%. While SCHH's single holding weight is higher, both funds spread risk across many assets. A 10%+ position in any single stock increases sensitivity to that company's performance. Investors should assess their tolerance for single-stock risk. Diversification across thousands of assets in VOO mitigates individual company failures. SCHH's concentration is typical for sector funds. Reviewing quarterly holdings is recommended to monitor changes in top positions and potential over-concentration.

How do inception dates compare for these ETFs?

VOO was launched on September 7, 2010. SCHH followed shortly after on January 13, 2011. Both funds have long operational histories, providing over a decade of performance data. This longevity allows investors to review past market cycles, including growth periods and corrections. Neither is a new experiment. Historical track records can inform expectations, but past performance does not guarantee future results. The similar age means both have faced comparable macroeconomic environments, though their distinct strategies led to different outcomes during market shifts.

What does the lack of sector weight data mean?

The fund data explicitly states that sector weights are not available for either SCHH or VOO. This gap prevents a direct numerical comparison of industry distribution. Without these weights, investors cannot quantify exposure to specific sectors like healthcare or tech for SCHH, or industrials for VOO. You must rely on external sources or the fund's official website. This limitation affects risk assessment, as sector concentration influences volatility. Always seek updated documentation to understand where your capital is allocated across economic sectors before investing.

Which fund aligns with an income-focused goal?

SCHH, with a 2.88% dividend yield and real estate focus, is typically associated with income generation. REITs often pay higher distributions to meet legal requirements. VOO, with a 1.03% yield, is generally aligned with total market growth. Income investors may prefer SCHH for cash flow, while growth investors may look at VOO for capital appreciation. This is a descriptive association based on typical strategy profiles. Individual goals vary, and tax situations impact net income. Neither is universally superior; it depends on whether current income or long-term growth is prioritised.

Which fund aligns with a broad market growth goal?

VOO, with its Large Blend category and $1.08 trillion net assets, is typically associated with broad US market growth. It holds leading companies across multiple sectors, aiming to match the overall market performance. SCHH is specialised in real estate, which is a subset of the market. Investors seeking wide diversification across major US firms often look at broad blend funds. VOO's lower expense ratio of 0.03% also supports cost-effective long-term growth. The choice depends on whether one wants specific sector exposure or general market replication for their portfolio.

SCHH vs VOO

Two funds, one decision: we compare cost, performance and what each ETF actually holds in October 2026.

Compare SCHH and VOO to review their 0.07% and 0.03% expense ratios, top holdings, dividend yields and index focus. This page analyses how each fund tracks its market, contrasting real estate exposure with large blend US equities for informed evaluation. Educational content, not financial advice.

Compare SCHH and VOO to review their 0.07% and 0.03% expense ratios, top holdings, dividend yields and index focus. This page analyses how each fund tracks its market, contrasting real estate exposure...

Fund Snapshot

Key Fund Metrics

SCHH

Metric

VOO

0.07%

Expense Ratio

0.03%

2.88%

Dividend Yield

1.03%

$10.85B

Net Assets

$1.08T

120

Holdings

516

Jan 13, 2011

Inception Date

Sep 7, 2010

–

Index Tracked

–

Real Estate

Fund Category

Large Blend

VOO costs about $4.00 less per year for every $10,000 invested.

Shared Top Holdings

These funds do not share any of their top holdings.

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SCHH vs VNQ

Compare SCHH and VNQ ETFs. Review 0.07% vs 0.13% fees, yields, holdings, and tracking details for these real estate funds to decide which to research.

Investment Analysis

SCHH

Pros

The fund charges a modest expense ratio of 0.07 per cent.
It holds assets worth 10.8 billion dollars, indicating reasonable investor demand.
The dividend yield stands at 2.88 per cent, offering regular income.

Considerations

The index tracked by the fund is currently not available for review.
Sector weights are not available, limiting precise analysis of industry exposure.
Top holdings include WELL at 11.14 per cent, indicating meaningful concentration.

VOO

Pros

The expense ratio is very low at 0.03 per cent.
With net assets of 1.08 trillion dollars, liquidity and stability are robust.
The fund tracks large blend equities, providing broad market exposure since 2010.

Considerations

The dividend yield is relatively low at 1.03 per cent.
The specific index tracked is not available in the provided fund data.
Sector weights are not available, hindering detailed sectoral risk assessment.

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About SCHH and VOO

SCHH (SCHH)

Schwab U.S. REIT ETF (SCHH) is a passively managed exchange-traded fund that seeks to track the Dow Jones U.S. Select REIT Index, offering diversified exposure to US real estate investment trusts (REITs). It typically holds publicly traded REITs spanning sectors such as residential, industrial, retail, office and specialised property types, and distributes rental-derived income as dividends. As an ETF, SCHH provides intraday liquidity and a convenient way to gain broad real-estate exposure without picking individual stocks, but it remains concentrated in the property sector and is sensitive to interest-rate moves and economic cycles. Investors should weigh potential dividend income against capital volatility, tax treatment of REIT distributions, fees and tracking error. This is general educational information only and not personal advice; values can rise and fall and past performance is not a guide to the future. Consider your objectives and consult a financial adviser for suitability.

VOO (VOO)

VOO is Vanguard’s exchange-traded fund designed to track the S&P 500 Index, offering broad exposure to about 500 of the largest publicly traded US companies. It aims to replicate the index’s performance minus fees by holding the same stocks in similar proportions, making it a straightforward, passive way to access large‑cap US equities. Investors commonly use VOO as a core holding for long‑term growth or as a simple building block in a diversified portfolio. It typically offers high liquidity and regular dividend distributions from underlying companies. As with any equity investment, VOO’s value can rise or fall with the market, and past performance is not a guide to future returns. Fees, trading costs and potential tracking error reduce returns slightly. This information is general and educational only and not personalised financial advice — consider your own circumstances or speak to a qualified adviser before investing.

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Which Baskets Do They Appear In?

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Following Charles Schwab's massive $20 billion stock buyback and dividend increase, this theme focuses on other financially robust companies that are similarly rewarding their investors. The strategy is to invest in firms with strong cash flows and a commitment to returning capital to shareholders.

Published: 25 July 2025

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SCHH vs VOO

Fund Snapshot