XLRE vs SCHH Stock Comparison: AI Score, Valuation, Performance and Upside
XLRE and SCHH both target real estate sector exposure but take different paths to get there — XLRE via the Real Estate Select Sector Index, and SCHH via the Dow Jones Equity All REIT Capped Index. The practical differences come down to issuer, cost structure, and the specific index rules each fund follows, since both are pursuing a similar investment outcome.
XLRE vs SCHH is largely a question of which issuer and index methodology you trust more for real estate sector exposure — the underlying investment case is similar, so cost, liquidity, and tracking precision tend to be the deciding factors.
SCHH holds the edge across 4 of 5 key metrics in this comparison. SCHH has delivered stronger 1-year price return (+8.92% vs +4.60% for XLRE).
- want large-cap REIT exposure via the GICS sector classification
- prefer State Street's approach and fund lineup
- value direct, liquid access to large-cap REITs
- are comfortable with highly sensitive to interest rate expectations
- want the lowest-cost broad REIT exposure
- prefer Charles Schwab's approach and fund lineup
- value one of the lowest expense ratios in the REIT ETF category
- are comfortable with excludes mortgage REITs, unlike some broader real estate funds
| Metric | XLRE | SCHH |
|---|---|---|
| ETF scorei | 39.0 | 46.0 |
| Latest closei | $42.53 | $22.74 |
| 1M returni | -5.47% | -5.25% |
| 6M returni | +6.41% | +7.84% |
| 1Y returni | +4.60% | +8.92% |
The ETF score weights long-term returns and risk-adjusted performance most heavily, but still rewards low expense ratios, larger fund size, and broader diversification — so it can favor low-cost, broad, mega-cap funds over smaller thematic or actively-managed funds even when the latter have delivered stronger returns.
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | XLRE | SCHH |
|---|---|---|
| 1Y ago | $10.82K (+8.2%) started 2025-09-18 | $11.23K (+12.3%) started 2025-09-18 |
| 5Y ago | $12.95K (+29.5%) started 2021-09-20 | $12.92K (+29.2%) started 2021-09-20 |
| 10Y ago | $27.48K (+174.8%) started 2016-09-19 | $19.77K (+97.7%) started 2016-09-19 |
Hypothetical — past performance does not guarantee future results.
| Metric | XLRE | SCHH |
|---|---|---|
| Expense ratioi | 0.08% | 0.07% |
| Total assets (AUM)i | $8.31B | $11.2B |
| Dividend yieldi | 3.19% | 2.80% |
| Trailing P/Ei | 30.31 | 29.53 |
| Betai | 0.97 | 0.95 |
| 52-week change | 4.60% | 8.92% |
| Metric | XLRE | SCHH |
|---|---|---|
| 1Y returni | +4.60% | +8.92% |
| 6M returni | +6.41% | +7.84% |
| 1M returni | -5.47% | -5.25% |
| 1Y Sharpe ratio | 0.07 | 0.37 |
| Betai | 0.97 | 0.95 |
| Dividend yieldi | 3.19% | 2.80% |
| 5Y CAGR | +1.56% | +2.04% |
Over the past year, XLRE and SCHH have moved strongly in the same direction (correlation of 0.98), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | XLRE | SCHH |
|---|---|---|---|
| 1Y | Growthi | +4.60% | +8.92% |
| CAGRi | +4.61% | +8.93% | |
| Volatilityi | 14.03% | 13.65% | |
| Sharpe ratioi | 0.07 | 0.37 | |
| Sortino ratioi | 0.10 | 0.52 | |
| Max drawdowni | 8.33% | 8.53% | |
| Current drawdowni | 7.56% | 8.53% | |
| Avg drawdowni | 2.49% | 2.30% | |
| Ulcer Indexi | 3.19% | 3.05% | |
| Max daily dropi | 3.17% | 3.31% | |
| Max wkly dropi | 5.05% | 4.94% | |
| 5Y | Growthi | +8.04% | +10.61% |
| CAGRi | +1.56% | +2.04% | |
| Volatilityi | 19.16% | 18.76% | |
| Sharpe ratioi | -0.06 | -0.04 | |
| Sortino ratioi | -0.08 | -0.05 | |
| Max drawdowni | 34.11% | 33.28% | |
| Current drawdowni | 7.56% | 8.53% | |
| Avg drawdowni | 14.08% | 13.68% | |
| Ulcer Indexi | 16.63% | 16.13% | |
| Max daily dropi | 4.82% | 4.95% | |
| Max wkly dropi | 12.01% | 12.03% | |
| 10Y | Growthi | +84.65% | +42.46% |
| CAGRi | +6.33% | +3.60% | |
| Volatilityi | 20.42% | 20.97% | |
| Sharpe ratioi | 0.18 | 0.06 | |
| Sortino ratioi | 0.25 | 0.08 | |
| Max drawdowni | 38.82% | 44.22% | |
| Current drawdowni | 7.56% | 8.53% | |
| Avg drawdowni | 9.71% | 10.90% | |
| Ulcer Indexi | 13.01% | 14.27% | |
| Max daily dropi | 16.00% | 18.18% | |
| Max wkly dropi | 23.08% | 25.85% |
| Category | XLRE | SCHH |
|---|---|---|
| Fund name | State Street Real Estate Select Sector SPDR ETF | Schwab U.S. REIT ETF |
| Type | ETF | ETF |
| Expense ratioi | 0.08% | 0.07% |
| Total assets (AUM)i | $8.31B | $11.2B |
| Dividend yieldi | 3.19% | 2.80% |
- Direct, liquid access to large-cap REITs
- Diversified across REIT sub-sectors
- Typically higher dividend yield than the broad market
- One of the lowest expense ratios in the REIT ETF category
- Broader REIT coverage than the sector-SPDR fund
- No commission through Schwab brokerage accounts
- Highly sensitive to interest rate expectations
- Concentrated in a relatively small number of large REITs
- REIT dividends are taxed as ordinary income, not qualified
- Excludes mortgage REITs, unlike some broader real estate funds
- Rate sensitivity is a category-wide trait for all REIT funds
- Smaller, less liquid REITs add some volatility
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