SCHH — Schwab US REIT ETF
Charles Schwab · Expense Ratio: 0.07% · Real Estate · 10bp below the Real Estate category average of 0.17%
Key Facts
| Ticker | SCHH |
| Full Name | Schwab US REIT ETF |
| Provider | Charles Schwab |
| Expense Ratio | 0.07% |
| Category | Real Estate |
| Assets Under Management | $8B |
| Inception Year | 2011 (15 years ago) |
| Number of Holdings | 110 |
| Dividend Yield | ~3.2% (high) |
| Top Holdings | PLD, AMT, EQIX, WELL |
What Is SCHH?
SCHH, managed by Charles Schwab, launched in 2011, is a well-established ETF with adequate liquidity for most investors in the Real Estate category. Real estate investment trust ETF providing exposure to commercial and residential property markets. With $8B in assets under management, it has adequate trading volume for most individual investors.
SCHH in a FIRE Portfolio
This fund serves as a satellite position — adding targeted exposure to real estate within a FIRE portfolio built around a broad-market core.
Satellite holdings typically make up 5-20% of your portfolio. REITs provide diversification from stocks and bonds — a 5-15% allocation adds real asset exposure and steady dividend income for FIRE portfolios.
Cost Analysis: How SCHH's 0.07% Fee Affects Your FIRE Timeline
At 0.07%, SCHH is very cost-effective. Annual fees on a $100K investment: $70. Over 30 years, the fee drag shaves approximately 0.4% off your total returns. For a $1M FIRE portfolio, that's about $7,000 in cumulative fees — noticeable but reasonable for most investors.
Dividend Income Potential
With a high dividend yield of approximately 3.2%, here's what SCHH could generate in annual income at different portfolio sizes:
| Portfolio Value | Annual Dividend Income | Monthly Income |
|---|---|---|
| $100,000 | $3,200/year | $267/month |
| $250,000 | $8,000/year | $667/month |
| $500,000 | $16,000/year | $1,333/month |
| $1,000,000 | $32,000/year | $2,667/month |
Frequently Asked Questions About SCHH
What is the expense ratio for SCHH?
SCHH has an expense ratio of 0.07%. This is very cost-effective — on a $100K portfolio, annual fees are $70. 10bp below the real estate category average of 0.17%.
Is SCHH good for a FIRE portfolio?
This fund serves as a satellite position — adding targeted exposure to real estate within a FIRE portfolio built around a broad-market core. Its 0.07% expense ratio is very cost-effective for the Real Estate category.
How does the 0.07% fee affect long-term returns?
At 0.07%, you'll pay $70/year per $100K invested. Over 30 years, fees reduce total returns by approximately 0.4%. Use the embedded calculator below to model the exact impact on your specific portfolio.
Is SCHH liquid enough for my portfolio?
SCHH manages $8B in assets — a well-established ETF with adequate liquidity for most investors. For most individual FIRE investors making regular contributions, liquidity is sufficient. If you're investing large lump sums ($100K+), use limit orders to control your execution price.
Similar ETFs in Real Estate
- VNQ — Vanguard Real Estate ETF (0.13% · Satellite Position)
- IYR — iShares US Real Estate ETF (0.4% · Satellite Position)
- REET — iShares Global REIT ETF (0.14% · Satellite Position)
- USRT — iShares Core US REIT ETF (0.08% · Satellite Position)
- XLRE — Real Estate Select Sector SPDR (0.1% · Satellite Position)
- RWR — SPDR Dow Jones REIT ETF (0.25% · Satellite Position)