MORT vs SCHH: Yield, Cost and Returns Compared
As of Nov 5, 2026, MORT yields more: 14.56% (dividend yield) against 2.86% for SCHH. SCHH is cheaper to own at 0.07% a year vs 0.43%. Over the same 15 years (Aug 2011 to Oct 2026), SCHH returned 6.5% a year with distributions reinvested, and MORT 2.8%.
| Compared | MORT | SCHH |
|---|---|---|
| YieldDividend yield | 14.56% | 2.86% |
| Expense ratio | 0.43% | 0.07% |
| Total return, 1 yr | −14.7% | +12.7% |
| Total return, 3 yr (a year) | +4.1% | +13.7% |
| Total return, 5 yr (a year) | −6.1% | +1.8% |
| Total return, 10 yr (a year) | −0.3% | +4.2% |
| Worst drop since Aug 2011 | -59.7% | -31.5% |
| Share price since Aug 2011 | −69% | +74% |
| Pays | Quarterly | Quarterly |
| Issuer | VanEck | Schwab |
| Assets | $313.4M | $11.0B |
| Started | 2011 | 2011 |
| Type | Real Estate | Real Estate |
Higher yield
MORT
14.56%
Lower cost
SCHH
0.07%
Better total return
SCHH
6.5%/yr
Smaller worst drop
SCHH
-31.5%
Key facts: MORT vs SCHH
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, MORT yields 14.56% (dividend yield) and SCHH yields 2.86% (dividend yield).
- MORT's expense ratio is 0.43% and SCHH's is 0.07%: $43 vs $7 a year on $10,000.
- From Aug 2011 to Oct 2026, $10,000 in MORT grew to $15,109 (2.8% a year) and $10,000 in SCHH to $25,957 (6.5% a year), distributions reinvested.
- Their worst month-end drops over that time: -59.7% for MORT and -31.5% for SCHH.
- 0 of MORT's top ten holdings are also in SCHH's top ten.
Cite this page
SmarterDividends, "MORT vs SCHH: Yield, Cost and Returns Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/mort-vs-schh
$10,000 in each, Aug 2011 to Oct 2026
Distributions reinvested, month-end values, with the S&P 500 for reference.
MORT became
$15,109
2.8% a year
SCHH became
$25,957
6.5% a year
Year by year
| Year | MORT | SCHH |
|---|---|---|
| 2025 | +12.2% | +2.2% |
| 2024 | +0.1% | +5.0% |
| 2023 | +14.7% | +11.2% |
| 2022 | −26.9% | −25.0% |
| 2021 | +16.0% | +41.1% |
| 2020 | −22.4% | −15.1% |
| 2019 | +21.2% | +22.8% |
| 2018 | −4.4% | −4.1% |
| 2017 | +18.8% | +2.7% |
| 2016 | +21.9% | +6.5% |
| 2015 | −9.7% | +4.4% |
| 2014 | +17.9% | +31.8% |
| 2013 | +1.1% | +1.3% |
| 2012 | +22.6% | +16.8% |
Total return each calendar year, distributions reinvested.
Top holdings
No overlap in the top ten.
MORT
- NLY Annaly Capital Management Inc18.6%
- AGNC AGNC Investment Corp14.9%
- RITM Rithm Capital Corp6.8%
- STWD Starwood Property Trust Inc6.2%
- DX Dynex Capital Inc5.2%
- EFC Ellington Financial Inc4.9%
- BXMT Blackstone Mortgage Trust Inc Class A4.5%
- ARR ARMOUR Residential REIT Inc4.4%
- ORC Orchid Island Capital Inc4.1%
- LADR Ladder Capital Corp Class A4.0%
SCHH
- WELL Welltower Inc10.0%
- PLD Prologis Inc8.3%
- AMT American Tower Corp5.0%
- SPG Simon Property Group Inc4.7%
- EQIX Equinix Inc4.5%
- DLR Digital Realty Trust Inc4.5%
- PSA Public Storage3.9%
- O Realty Income Corp3.9%
- VMRK Vivmark Residential3.2%
- VTR Ventas Inc3.1%
MORT vs SCHH: questions
Is MORT or SCHH better?
It depends on the job. MORT pays more today (14.56% vs 2.86%), SCHH costs less, and SCHH has the better total return over Aug 2011 to Oct 2026, with SCHH holding up better in its worst stretch. For income, look at yield and whether the payouts hold up; for growth, total return and drawdowns.
Which pays a higher dividend, MORT or SCHH?
MORT, at 14.56% against 2.86% for SCHH as of Nov 5, 2026. On $10,000 that's about $1,456 vs $286 a year at today's rates.
Which has the better total return?
SCHH. From Aug 2011 to Oct 2026, it returned 6.5% a year with distributions reinvested, against 2.8% for MORT. $10,000 became $25,957 vs $15,109.
Which is cheaper, MORT or SCHH?
SCHH, with a 0.07% expense ratio against 0.43%.
Do MORT and SCHH hold the same things?
Not at the top: none of their top ten holdings match.
Related comparisons
Yields, costs and holdings as each fund reports them (via Yahoo Finance), updated daily; returns from month-end prices with distributions reinvested. SCHH leads on 7 of 8 measures above. For information only, not investment advice. Last fund data: Nov 5, 2026.