SCHF vs SPY
SCHF vs SPY · Last updated April 5, 2026
| Metric | SCHF | SPY | |
|---|---|---|---|
| Price | $24.98 | $655.83 | — |
| Expense Ratio | 0.03% | 0.09% | SCHF |
| Dividend Yield | N/A | N/A | — |
| AUM | $62.9B | $698.3B | SPY |
Performance Comparison
| Period | SCHF | SPY |
|---|---|---|
| 1M | -1.38% | -3.48% |
| 3M | +1.42% | -4.38% |
| 6M | +8.28% | -1.44% |
| YTD | +3.91% | -3.56% |
| 1Y | +41.72% | +31.28% |
| 3Y | N/A | N/A |
| 5Y | N/A | N/A |
Dividend Comparison
| Ex-Date | Ticker | Amount |
|---|---|---|
| March 20, 2026 | SPY | $1.80 |
| December 19, 2025 | SPY | $1.99 |
| December 11, 2025 | SCHF | $0.68 |
| September 19, 2025 | SPY | $1.83 |
| June 25, 2025 | SCHF | $0.14 |
| June 20, 2025 | SPY | $1.76 |
| March 21, 2025 | SPY | $1.70 |
| December 20, 2024 | SPY | $1.97 |
| December 13, 2024 | SCHF | $0.42 |
| September 20, 2024 | SPY | $1.75 |
| June 26, 2024 | SCHF | $0.18 |
| June 21, 2024 | SPY | $1.76 |
| March 15, 2024 | SPY | $1.60 |
| December 15, 2023 | SPY | $1.91 |
| December 6, 2023 | SCHF | $0.35 |
| September 15, 2023 | SPY | $1.58 |
| June 21, 2023 | SCHF | $0.20 |
| June 16, 2023 | SPY | $1.64 |
| December 7, 2022 | SCHF | $0.31 |
| June 22, 2022 | SCHF | $0.14 |
Key Differences
SCHF (SCHF) and SPY (SPY) are both popular exchange-traded funds that investors frequently compare. Here is how they differ based on the latest available data.
SCHF charges an expense ratio of 0.03%, which is lower than SPY's 0.09%. This 0.06% difference translates to approximately $64.50 per year on a $100,000 investment. Over a 30-year period, the compounding effect of lower fees could result in a difference of roughly $2,902.50.
SPY is the larger fund with $698.3B in assets under management — roughly 11.1x the size of SCHF's $62.9B. Larger AUM generally correlates with higher trading volume, tighter bid-ask spreads, and lower trading costs for investors.
All metrics shown are based on historical and trailing data. Forward-looking expectations may differ significantly from past performance.
How to Compare SCHF and SPY
- If minimizing costs is a priority, compare the expense ratios: SCHF charges 0.03% and SPY charges 0.09%.
- For liquidity, larger funds with higher AUM typically have tighter bid-ask spreads and more efficient trading.
- Review historical performance across different time periods (1-month to 5-year) to understand how each has performed in various market conditions.
Frequently Asked Questions
Is SCHF or SPY a better investment?
Whether SCHF or SPY is more suitable depends on your individual investment goals, risk tolerance, and time horizon. SCHF and SPY differ in key metrics like expense ratio, dividend yield, and assets under management. This page provides objective data to help you compare the two.
What is the expense ratio difference between SCHF and SPY?
SCHF has an expense ratio of 0.03%, while SPY charges 0.09%. On a $10,000 investment, this 0.06% difference costs approximately $6.45 per year.
Which fund is larger, SCHF or SPY?
SPY has $698.3B in assets under management, making it the larger fund. Larger funds tend to have better liquidity and tighter bid-ask spreads.
What are the risks of investing in SCHF vs SPY?
Both SCHF and SPY carry market risk — their values can decline during market downturns. Past performance does not guarantee future results. Consider factors like volatility, sector concentration, and your own risk tolerance when evaluating either investment.
See how expense ratio differences affect your returns over time → Expense Ratio Calculator