SCHG's 10-year 445% return crushed the S&P 500's 254%, but in 2026 the fund lags badly, up only 9% year-to-date. SPY returned 13% and QQQ nearly 19% YTD, both outpacing SCHG as the 2026 rally broadened beyond megacap growth names. For long-runway buyers, SCHG's 2026 dip buys more shares per contribution; those within five years of retirement face real sequence-of-returns risk.
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Large-Cap Growth ETF (NYSEARCA:SCHG) has spent a decade being rewarded for a simple habit. Over the last ten years, SCHG returned about 445% against roughly 254% for the S&P 500, a gap that makes dollar-cost averaging feel like a decision that made itself. This year the arithmetic has flipped.
SCHG is up roughly 9% year-to-date, while SPY (NYSEARCA:SPY) has returned around 13% and QQQ (NASDAQ:QQQ) has returned nearly 19%. SCHG's pitch is owning the fastest-growing large American companies, yet in 2026 it trails both a plain vanilla index fund and the tech-heavy Nasdaq 100. That deserves a closer look before the next automatic contribution goes in.
SCHG holds the growth half of the U.S. large-cap universe at a very low fee. The fund manages about $61 billion and concentrates it heavily at the top, with the top ten positions accounting for roughly 57% of the fund and NVIDIA (NASDAQ:NVDA) alone at around 11%. That is a bet on the same handful of companies that dominated the last decade.
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