Schwab U.S. Large-Cap ETF (SCHX) Performance
SCHX total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +11.9% since Dec 31, 2025
- 1 year
- +13.7% total return
- 5 years
- +11.8% a year
- 10 years
- +15.2% a year
- Since first price
- +14.4% a year since 2009
SCHX trailing returns vs SPY, QQQ, AGG
| Period | SCHX total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | −1.2% | −1.2% | −1.0% | −5.0% | +0.9% |
| 3 months | +3.0% | +2.7% | +3.2% | +1.9% | −0.4% |
| 6 months | +7.5% | +6.9% | +7.8% | +8.4% | −1.5% |
| YTD | +11.9% | +11.0% | +12.3% | +15.1% | −1.0% |
| 1 year | +13.7% | +12.4% | +14.4% | +15.9% | −1.1% |
| 3 years | +87.3%+23.3%/yr | +80.6% | +87.4%+23.3%/yr | +101.4%+26.3%/yr | +16.6%+5.2%/yr |
| 5 years | +74.4%+11.8%/yr | +63.0% | +79.3%+12.4%/yr | +94.0%+14.2%/yr | −0.8%−0.2%/yr |
| 10 years | +312.9%+15.2%/yr | +251.4% | +315.9%+15.3%/yr | +538.9%+20.4%/yr | +14.0%+1.3%/yr |
| 15 years | +690.3%+14.8%/yr | +509.4% | +696.0%+14.8%/yr | +1,299.3%+19.2%/yr | +32.2%+1.9%/yr |
| Since inceptionNov 3, 2009 | +878.8%+14.4%/yr | +630.9% | — | — | — |
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: SCHX vs SPY
From Nov 3, 2009: SCHX grew to $97,877, SPY to $98,074.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
SCHX returns by calendar year
14 of 16 full years positive. Best 2013 (+32.4%), worst 2022 (−19.4%). 2026 is year to date.
SCHX annual returns table
| Year | SCHX | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +11.9% | −9.0% | +12.3% | +15.1% | −1.0% |
| 2025 | +17.5% | −19.0% | +17.7% | +20.8% | +7.2% |
| 2024 | +24.9% | −8.5% | +24.9% | +25.6% | +1.3% |
| 2023 | +26.8% | −10.3% | +26.2% | +54.9% | +5.7% |
| 2022 | −19.4% | −25.4% | −18.2% | −32.6% | −13.0% |
| 2021 | +26.8% | −5.2% | +28.7% | +27.4% | −1.8% |
| 2020 | +20.8% | −34.3% | +18.3% | +48.6% | +7.5% |
| 2019 | +31.2% | −6.7% | +31.2% | +39.0% | +8.5% |
| 2018 | −4.5% | −19.5% | −4.6% | −0.1% | +0.1% |
| 2017 | +21.9% | −2.5% | +21.7% | +32.7% | +3.6% |
| 2016 | +12.0% | −9.7% | +12.0% | +7.1% | +2.4% |
| 2015 | +1.0% | −11.9% | +1.2% | +9.4% | +0.5% |
| 2014 | +13.3% | −7.4% | +13.5% | +19.2% | +6.0% |
| 2013 | +32.4% | −5.8% | +32.3% | +36.6% | −2.0% |
| 2012 | +16.1% | −9.8% | +16.0% | +18.1% | +3.8% |
| 2011 | +1.5% | −19.3% | +1.9% | +3.4% | +7.7% |
| 2010 | +15.9% | −15.6% | +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.
SCHX largest drawdowns
Now 2.7% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Feb 19, 2020 | −34.3% | Mar 23, 2020 | Aug 6, 2020 | 33 days | 6 months |
| Dec 27, 2021 | −25.4% | Oct 12, 2022 | Dec 13, 2023 | 9 months | 2.0 years |
| Sep 20, 2018 | −19.5% | Dec 24, 2018 | Apr 12, 2019 | 3 months | 7 months |
| Apr 29, 2011 | −19.3% | Oct 3, 2011 | Feb 3, 2012 | 5 months | 9 months |
| Feb 19, 2025 | −19.0% | Apr 8, 2025 | Jun 26, 2025 | 48 days | 4 months |
| Apr 23, 2010 | −15.6% | Jul 2, 2010 | Nov 4, 2010 | 2 months | 6 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
SCHX risk statistics
| Statistic | 3 years | 5 years | 10 years | Since 2009 |
|---|---|---|---|---|
| Annualized return | +22.7% | +13.1% | +15.1% | +14.2% |
| Volatility (annualized) | 12.6% | 15.8% | 15.5% | 14.4% |
| Sharpe ratio | 1.35 | 0.64 | 0.85 | 0.90 |
| Sortino ratio | 2.78 | 1.02 | 1.33 | 1.46 |
| Best month | +10.3% | +10.3% | +13.0% | +13.0% |
| Worst month | −5.8% | −9.2% | −13.0% | −13.0% |
| Best 12 months | +38.2% | +38.2% | +59.5% | +59.5% |
| Worst 12 months | +8.1% | −19.4% | −19.4% | −19.4% |
| Positive months | 67% | 60% | 69% | 68% |
| Beta vs S&P 500 | 1.01 | 1.00 | 1.01 | — |
| Correlation with S&P 500 | 1.00 | 1.00 | 1.00 | — |
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.
SCHX rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 192 | −19.4% | +16.2% | +59.5% | 90% |
| 3-year (a year) | 168 | +4.9% | +13.5% | +26.2% | 100% |
| 5-year (a year) | 144 | +6.4% | +13.8% | +19.2% | 100% |
| 10-year (a year) | 84 | +10.4% | +13.5% | +16.7% | 100% |
Every holding period starting at a month-end since 2009. Returns for 3 years and longer are annualized.
SCHX performance overview
Schwab U.S. Large-Cap ETF (SCHX) returned +13.7% over the past year and +15.2% a year over ten years, with distributions reinvested. Since its first recorded price in 2009 it has returned +14.4% a year, turning $10,000 into about $97,877. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −34.3%, from Feb 19, 2020 to Mar 23, 2020, and it took 4 months to get back to the old high. SCHX finished 14 of its 16 full calendar years with a gain; the best year was 2013 (+32.4%) and the worst 2022 (−19.4%). Volatility has been 14.4% a year.
Related: SCHX chart, SCHX holdings, SCHX dividends, SCHX valuation. See the SCHX overview for the latest quote and fund facts.
SCHX performance FAQ
What is the SCHX return over the past year?
SCHX returned +13.7% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 12.4%.
What is the average annual return of SCHX?
SCHX has returned +11.8% a year over 5 years, +15.2% a year over 10 years, +14.4% a year since November 3, 2009 (total return, distributions reinvested).
How much would $10,000 invested in SCHX be worth?
$10,000 invested in SCHX at its first recorded close on November 3, 2009 would be worth about $97,877 on October 23, 2026 with distributions reinvested.
What was the worst year for SCHX?
The worst calendar year was 2022, with a total return of −19.4%. The best was 2013 at +32.4%.
What is the biggest drawdown of SCHX?
The largest peak-to-trough decline was −34.3% between February 19, 2020 and March 23, 2020. It recovered to the old high on August 6, 2020, 4 months after the bottom.
How volatile is SCHX?
Over the past 3 years SCHX had an annualized volatility of 12.6% and a Sharpe ratio of 1.35 (excess return over 1–3 month T-bills per unit of risk).