SCHX vs UTF
Schwab US Large-Cap ETF vs Cohen & Steers Infrastructure Fund Inc
Which is better, SCHX or UTF?
SCHX has been ahead.
SCHX has a lower expense ratio. SCHX led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SCHX | UTF |
|---|---|---|
| Expense Ratio | 0.03%Best | 3.42% |
| AUM | $75.3B | $3.0B |
| Dividend Yield | 1.04% | 7.58% |
| Holdings | 752 | 311 |
| YTD Return | +13.08%Best | +10.17% |
| 1Y Return | +16.62%Best | +14.56% |
| 3Y Return (annualized) | +22.27%Best | +17.54% |
| 5Y Return (annualized) | +12.56%Best | +5.94% |
| Volatility (annualized) | 14.5%Best | 18.3% |
| Max Drawdown | -34.3%Best | -53.0% |
| $10,000 over 5 years | $18,068Best | $13,344 |
| Fund Family | Charles Schwab Asset Management | Cohen & Steers Funds |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Nov 3, 2009 | Mar 30, 2004 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Nov 3, 2009 to Oct 14, 2026 (16.9 years).
SCHX vs UTF growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 16.9 years both funds cover.
SCHX vs UTF Performance
Schwab US Large-Cap ETF (SCHX) is an ETF from Charles Schwab Asset Management and Cohen & Steers Infrastructure Fund Inc (UTF) is an ETF from Cohen & Steers Funds. Over the past year SCHX returned +16.62% while UTF returned +14.56%. Year to date, SCHX is up 13.08% versus a gain of 10.17% for UTF.
Over three years, SCHX compounded at +22.27% per year against +17.54% for UTF; over five years the annualized figures are +12.56% and +5.94% respectively. Across the full 17-year window we track, SCHX has the edge at +13.05% annualized vs +6.71%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
UTF has been the more volatile fund, with annualized monthly volatility of 18.3% compared with 14.5% for SCHX. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -34.3% for SCHX and -53.0% for UTF. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHX charges 0.03% per year while UTF charges 3.42%. On a $10,000 position that is $3 vs $342 annually, a gap of $339 per year that compounds over a long holding period. On income, SCHX currently yields 1.04% against 7.58% for UTF.
Holdings Overlap
At least 2.7% of SCHX's money is in holdings UTF also owns.
Stated as a floor: for UTF, our book for it covers 93.7% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
SCHX and UTF share little of their money.
The two holdings books were reported 95 days apart, SCHX as of Oct 3, 2026 and UTF as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
26 positions in common, counted across the 752 positions we hold weights for in SCHX and 252 in UTF, against full books of 752 and 311.
Top Shared Holdings
| Stock | Weight in SCHX | Weight in UTF | Difference |
|---|---|---|---|
| NEENextera Energy Inc | 0.23% | 4.75% | 4.52% |
| CSXCsx Corp. | 0.12% | 3.09% | 2.97% |
| NINisource Inc. | 0.03% | 3.13% | 3.10% |
| UNPUnion Pacific Corp | 0.23% | 2.12% | 1.89% |
| DUKDuke Energy Corp | 0.13% | 2.16% | 2.03% |
| AMTAmerican Tower Corporation | 0.11% | 2.09% | 1.98% |
| LNTAlliant Energy Corp. | 0.02% | 2.10% | 2.08% |
| PPLPpl Corp (Utilities) | 0.03% | 1.72% | 1.69% |
| CCICrown Castle International Corp | 0.04% | 1.63% | 1.59% |
| SOSouthern Co. | 0.14% | 1.52% | 1.38% |
You are not choosing between two funds in isolation.
Whichever of SCHX and UTF you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHX or UTF?
SCHX has an expense ratio of 0.03% while UTF charges 3.42%. SCHX is the cheaper option, by $339 a year on a $10,000 investment.
Which performed better, SCHX or UTF?
Over the past year SCHX returned +16.62% vs +14.56% for UTF, so SCHX leads on 1-year performance. Over the longest common window we track (17 years), SCHX annualized +13.05% vs +6.71% for UTF. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHX or UTF?
UTF has been the more volatile fund at 18.3% annualized versus 14.5% for SCHX. Worst drawdown: SCHX -34.3% vs UTF -53.0%.
Should I hold both SCHX and UTF?
SCHX and UTF have a monthly-return correlation of 0.71, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between SCHX and UTF?
At least 2.7% of SCHX's money is in holdings UTF also owns. Our book for UTF is partial, so the real figure is this or higher. They hold 26 positions in common, counted across the 752 positions we hold weights for in SCHX and 252 in UTF.
Which pays a higher dividend, SCHX or UTF?
SCHX yields 1.04% while UTF yields 7.58%, so UTF currently pays the higher dividend yield.
Is UTF better than SCHX?
SCHX has a lower expense ratio. SCHX led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.