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SCHF or IEFA? Fresh Data Highlights Cost, Yield and Coverage Trade-Offs

The latest snapshot underscores a trade-off between cost-efficient income versus expansive diversification.

Overview

  • SCHF’s expense ratio is 0.03% versus 0.07% for IEFA, making SCHF cheaper to hold over time.
  • Trailing 12-month total returns through Dec. 12, 2025 are comparable at 21.2% for SCHF and 22.0% for IEFA.
  • SCHF’s dividend yield is 3.5% compared with 2.9% for IEFA, appealing to investors prioritizing income.
  • IEFA spans about 2,600 stocks with $161.9 billion in assets and a 13.1-year record, while SCHF holds roughly 1,501 names with $54.8 billion.
  • The funds track different benchmarks (SCHF: FTSE Developed ex US; IEFA: MSCI EAFE) yet show similar sector tilts, overlapping top holdings, and near-matching risk metrics such as five-year betas of 0.86 and 0.85.