Schwab International Equity ETF (SCHF) Performance
SCHF total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +12.1% since Dec 31, 2025
- 1 year
- +16.6% total return
- 5 years
- +9.3% a year
- 10 years
- +9.8% a year
- Since first price
- +7.5% a year since 2009
SCHF trailing returns vs SPY, QQQ, AGG
| Period | SCHF total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | −3.4% | −3.4% | −1.0% | −5.0% | +0.9% |
| 3 months | −1.1% | −1.1% | +3.2% | +1.9% | −0.4% |
| 6 months | +3.1% | +2.5% | +7.8% | +8.4% | −1.5% |
| YTD | +12.1% | +11.4% | +12.3% | +15.1% | −1.0% |
| 1 year | +16.6% | +12.7% | +14.4% | +15.9% | −1.1% |
| 3 years | +79.0%+21.4%/yr | +63.3% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| 5 years | +56.3%+9.3%/yr | +34.0% | +79.3%+12.4%/yr | +94.0%+14.2%/yr | −0.8%−0.2%/yr |
| 10 years | +153.5%+9.8%/yr | +89.1% | +315.9%+15.3%/yr | +538.9%+20.4%/yr | +14.0%+1.3%/yr |
| 15 years | +225.7%+8.2%/yr | +112.7% | +696.0%+14.8%/yr | +1,299.3%+19.2%/yr | +32.2%+1.9%/yr |
| Since inceptionNov 3, 2009 | +239.5%+7.5%/yr | +117.5% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: SCHF vs SPY
From Nov 3, 2009: SCHF grew to $33,951, SPY to $98,074.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
SCHF returns by calendar year
11 of 16 full years positive. Best 2025 (+34.5%), worst 2022 (−14.8%). 2026 is year to date.
SCHF annual returns table
| Year | SCHF | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +12.1% | −11.5% | +12.3% | +15.1% | −1.0% |
| 2025 | +34.5% | −13.4% | +17.7% | +20.8% | +7.2% |
| 2024 | +3.3% | −9.4% | +24.9% | +25.6% | +1.3% |
| 2023 | +18.4% | −11.8% | +26.2% | +54.9% | +5.7% |
| 2022 | −14.8% | −28.4% | −18.2% | −32.6% | −13.0% |
| 2021 | +11.4% | −6.9% | +28.7% | +27.4% | −1.8% |
| 2020 | +9.5% | −34.6% | +18.3% | +48.6% | +7.5% |
| 2019 | +22.3% | −7.9% | +31.2% | +39.0% | +8.5% |
| 2018 | −14.3% | −22.2% | −4.6% | −0.1% | +0.1% |
| 2017 | +26.0% | −2.2% | +21.7% | +32.7% | +3.6% |
| 2016 | +3.0% | −10.8% | +12.0% | +7.1% | +2.4% |
| 2015 | −2.5% | −16.7% | +1.2% | +9.4% | +0.5% |
| 2014 | −5.7% | −13.3% | +13.5% | +19.2% | +6.0% |
| 2013 | +19.0% | −10.5% | +32.3% | +36.6% | −2.0% |
| 2012 | +18.8% | −16.2% | +16.0% | +18.1% | +3.8% |
| 2011 | −12.6% | −26.4% | +1.9% | +3.4% | +7.7% |
| 2010 | +9.3% | −19.2% | +15.1% | +19.9% | +6.4% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
SCHF largest drawdowns
Now 6.3% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Jan 26, 2018 | −34.9% | Mar 23, 2020 | Nov 11, 2020 | 2.2 years | 2.8 years |
| Sep 3, 2021 | −29.1% | Oct 12, 2022 | Feb 22, 2024 | 1.1 years | 2.5 years |
| Apr 29, 2011 | −26.4% | Oct 3, 2011 | Apr 29, 2013 | 5 months | 2.0 years |
| Jul 3, 2014 | −23.7% | Feb 11, 2016 | May 4, 2017 | 1.6 years | 2.8 years |
| Apr 14, 2010 | −19.2% | Jun 7, 2010 | Oct 8, 2010 | 54 days | 6 months |
| Mar 19, 2025 | −13.4% | Apr 8, 2025 | Apr 28, 2025 | 20 days | 40 days |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
SCHF risk statistics
| Statistic | 3 years | 5 years | 10 years | Since 2009 |
|---|---|---|---|---|
| Annualized return | +21.0% | +10.6% | +9.9% | +7.5% |
| Volatility (annualized) | 12.8% | 16.0% | 15.3% | 15.6% |
| Sharpe ratio | 1.22 | 0.49 | 0.54 | 0.46 |
| Sortino ratio | 2.09 | 0.75 | 0.81 | 0.69 |
| Best month | +8.6% | +12.7% | +14.2% | +14.2% |
| Worst month | −8.4% | −9.6% | −14.6% | −14.6% |
| Best 12 months | +41.4% | +41.4% | +48.9% | +48.9% |
| Worst 12 months | +3.3% | −25.0% | −25.0% | −25.0% |
| Positive months | 69% | 62% | 63% | 59% |
| Beta vs S&P 500 | 0.70 | 0.83 | 0.84 | — |
| Correlation with S&P 500 | 0.68 | 0.81 | 0.84 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
SCHF rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 192 | −25.0% | +9.7% | +48.9% | 68% |
| 3-year (a year) | 168 | −2.0% | +6.2% | +21.8% | 93% |
| 5-year (a year) | 144 | −0.6% | +6.2% | +12.6% | 97% |
| 10-year (a year) | 84 | +2.5% | +5.5% | +11.0% | 100% |
Every holding period starting at a month-end since 2009. Returns for 3 years and longer are annualized.
SCHF performance overview
Schwab International Equity ETF (SCHF) returned +16.6% over the past year and +9.8% a year over ten years, with distributions reinvested. Since its first recorded price in 2009 it has returned +7.5% a year, turning $10,000 into about $33,951. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −34.9%, from Jan 26, 2018 to Mar 23, 2020, and it took 8 months to get back to the old high. SCHF finished 11 of its 16 full calendar years with a gain; the best year was 2025 (+34.5%) and the worst 2022 (−14.8%). Volatility has been 15.6% a year.
Related: SCHF chart, SCHF holdings, SCHF dividends. See the SCHF overview for the latest quote and fund facts.
SCHF performance FAQ
What is the SCHF return over the past year?
SCHF returned +16.6% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 12.7%.
What is the average annual return of SCHF?
SCHF has returned +9.3% a year over 5 years, +9.8% a year over 10 years, +7.5% a year since November 3, 2009 (total return, distributions reinvested).
How much would $10,000 invested in SCHF be worth?
$10,000 invested in SCHF at its first recorded close on November 3, 2009 would be worth about $33,951 on October 23, 2026 with distributions reinvested.
What was the worst year for SCHF?
The worst calendar year was 2022, with a total return of −14.8%. The best was 2025 at +34.5%.
What is the biggest drawdown of SCHF?
The largest peak-to-trough decline was −34.9% between January 26, 2018 and March 23, 2020. It recovered to the old high on November 11, 2020, 8 months after the bottom.
How volatile is SCHF?
Over the past 3 years SCHF had an annualized volatility of 12.8% and a Sharpe ratio of 1.22 (excess return over 1–3 month T-bills per unit of risk).