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Schwab Short-Term U.S. Treasury ETF

Schwab · US8085248628

Schwab Short-Term U.S. Treasury ETF is an exchange-traded fund (ETF) from Schwab, traded under the ticker SCHO (ISIN US8085248628). It lets you buy a basket of holdings in a single trade, spreading your money across them rather than one company. In plain terms it is about lending to governments and companies in return for regular interest, which tends to be…

Bond ?Unknown Physical ?United States ?
Low yearly feeOwns the shares directlyUnited States
Find funds like this
Schwab fundsDomiciled in United StatesUnknownPhysically replicatedUnited States bondsYearly fee under 0.25%

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Fund size (AUM) ?
€11B
1-year return ?
-0.7%
Price Return · to 2026-07-17
Yearly fee (TER) ?
0.03%
All-in cost ≈ 0.00%

About this fund

What you own

By holding it, this fund gives you a stake in around 97 companies across United States in a single purchase.

How it works

The fund actually buys every share in the index it tracks (full replication).

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Owning every holding keeps things transparent — what is in the index is what the fund actually owns. It can be a touch costlier to run for indexes with thousands of tiny positions, since the fund has to buy and maintain them all. There is no swap bank involved, so there is no extra “what if the partner fails” question to weigh.

Cost

0.03%Yearly fee (TER)
0.00%All-in cost

The yearly running cost of the fund, shown as a % of your money. Lower is cheaper.

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For example, a 0.20% fee works out at €0.20 a year for every €100 invested — that’s a generic illustration of the mechanic, not this fund’s own fee. It is skimmed quietly from inside the fund a little each day, so you never get a bill — but it drags on your return every year you hold. On a broad index ETF it is usually a small fraction of a percent; the gap between a cheap and a pricey fund looks tiny on day one but compounds over decades, which is why it is worth a glance.

Fund facts

Replication ?
Physical
Full — buys every share
Launched
Aug 2010
16-year track record

Bond details

Credit quality ?
Investment Grade
Duration ?
Short
Inflation-linked ?
No — nominal (fixed) payouts

Performance

98.599.2100.0101101202520262026

Growth of $100 invested — both lines start at $100.

Schwab Short-Term U.S. Treasury ETF Average peer fund (funds we track) ?

Compared with the average fund tracking the same index — our own data, not the licensed index itself.

YTD-1.1%
1 year-0.7%
3 years+0.1%
5 years-1.2%

Return, year by year

-5.1
+0.4
-0.7
+1.3
'22'23'24'25
2 of 4 up yearsBest: 2025 +1.3%Worst: 2022 -5.1%Calendar-year total returns, in USD

How bumpy has it been?

1.8%
Volatility (1y) ?
How much the price swings year to year — lower is calmer.
-2.0%
Worst drop (3y) ?
The biggest fall from a peak over the last three years.
0.03
Return for the risk (3y) ?
Reward earned per unit of bumpiness.

The bigger picture

-6.0%
Since inception
Total growth since launch — about -1.2% a year.
+2.5%
Best 12 months
The strongest one-year stretch on record.
-6.3%
Worst 12 months
The weakest one-year stretch on record.
-7.1%
Worst fall on record ?
It has not fully recovered yet.

What's inside

Top 10 holdings

#CompanyWeight
91TREASURY NOTE0.7%
95SSC GOVERNMENT MM GVMXX0.1%
97TREASURY BOND0.1%

Where to buy this fund

Set from your language & location — change it if it's wrong.

Where it trades

ExchangeTickerCurrency
NYSESCHOUSD★ Primary
EUR listings
Frankfurt09SKEUR
USD listings
E1SCHO1GBPUSD
E1SCHO1USDUSD
EUSCHO1GBPUSD
EUSCHO1USDUSD
LA09SKUSD
LU09SKUSD
MFSCHO*USD
MMSCHO*USD
MUSCHO*USD
NYSE ArcaSCHOUSD
OCSCHOUSD
TH09SKUSD
UASCHOUSD
UBSCHOUSD
UCSCHOUSD
UDSCHOUSD
UFSCHOUSD
UMSCHOUSD
USSCHOUSD
UTSCHOUSD
UXSCHOUSD
VFSCHOUSD
VGSCHOUSD
VJSCHOUSD
VKSCHOUSD
VPSCHOUSD
VYSCHOUSD
X1SCHO1GBPUSD
X2SCHO1GBPUSD
XASCHO1USDUSD
XASCHO1GBPUSD
XESCHO1GBPUSD
XESCHO1USDUSD
XFSCHO1GBPUSD
XFSCHO1USDUSD
XGSCHO1GBPUSD
XGSCHO1USDUSD
XHSCHO1USDUSD
XHSCHO1GBPUSD
XJSCHO1GBPUSD
XJSCHO1USDUSD
XLSCHO1GBPUSD
XLSCHO1USDUSD
XOSCHO1GBPUSD
XOSCHO1USDUSD
XQSCHO1USDUSD
XQSCHO1GBPUSD
XSSCHO1GBPUSD
XSSCHO1USDUSD
XTSCHO1USDUSD
XUSCHO1GBPUSD
XUSCHO1USDUSD
XVSCHO1USDUSD
XVSCHO1GBPUSD
XWSCHO1GBPUSD
XWSCHO1USDUSD
XXSCHO1GBPUSD
XXSCHO1USDUSD
XYSCHO1GBPUSD
XZSCHO1GBPUSD
XZSCHO1USDUSD
For serious comparison — full data holdings, percentiles, advanced risk, tilt, flows

Full holdings

As of 2026-07-17 · the fund's own published holdings.

#CompanyWeight
91TREASURY NOTE0.7%
95SSC GOVERNMENT MM GVMXX0.1%
97TREASURY BOND0.1%

⭳ Download full holdings (CSV)

How it ranks vs peers

🪙 Cheaper than 84% of similar ETFs📈 Higher 1-yr return than 53%📈 Higher 3-yr return than 37%📈 Higher 5-yr return than 68%📊 Behind its category by 1.6% (1-yr) (category average +0.9%)📊 Behind its category by 1.5% (3-yr) (category average +1.6%)📊 Beat its category by 1.0% (5-yr) (category average -2.2%)

Versus the Bonds · United States · USD ETFs we track.

Advanced risk

0.05
Sortino (3y) ?
0.04
Calmar (3y) ?
1.4%
Downside deviation ?
42%
Up months (hit rate) ?
$24.46
52-week high ?
$24.05
52-week low ?

Concentration depth

~89 ?
Effective number of holdings

Roughly 97 companies are held, but the largest names carry most of the weight — so it behaves like ~89 equal-sized positions.

Estimated fund flows

+€104.6M
Estimated net flow, last month

Estimated from fund-size changes.

Similar funds

We found 6 funds that do much the same job as this one. To pick them we matched this fund's asset class and region, then show how close each match is below.

Matched on🌍 United States bonds
Compare side by side
6 similar funds
Schwab Short-Term U.S. Treasury ETFSchwabYou're viewingiShares $ Treasury Bond 1-3yr UCITS ETFiSharesBroader matchiShares $ Treasury Bond 1-3yr UCITS ETFiSharesBroader matchSchwab U.S. TIPS ETFSchwabBroader matchiShares $ Treasury Bond 3-7yr UCITS ETFiSharesBroader matchSchwab Intermediate-Term U.S. Treasury ETFSchwabBroader matchiShares $ Treasury Bond 3-7yr UCITS ETFiSharesBroader match
Why it's similarThis is the fund on this page.
BondsPhysical
BondsPhysical
BondsUnknownPhysical
BondsPhysical
BondsUnknownPhysical
BondsPhysical
Index trackedICE U.S. Treasury 1-3 Year Bond IndexICE U.S. Treasury 1-3 Year Bond IndexICE U.S. Treasury 3-7 Year Bond IndexICE U.S. Treasury 3-7 Year Bond Index
Yearly fee (TER)0.03%0.10%0.10%0.03%0.10%0.03%0.10%
All-in cost0.00%0.10%0.10%0.00%0.10%0.00%0.10%
Fund size€11B€14.9B€14.5B€14.2B€12.6B€11.5B€10.9B
DomicileUnited StatesIrelandIrelandUnited StatesIrelandUnited StatesIreland
ReplicationPhysical (full)Physical (full)Physical (full)Physical (full)Physical (full)Physical (full)Physical (full)
3-yr return p.a.+0.1%+2.1%+0.2%-0.2%+0.1%
5-yr return p.a.-1.2%-0.1%-3.6%-3.0%-3.3%
# holdings979797499310293

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Data as of 2026-07-17 · Source: issuer data, compiled by Finance Hamster

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