SCHR — Schwab Intermediate-Term U.S. Treasury ETF

SCHR Price Performance — Growth of $10,000

Value of a $10,000 investment in SCHR over time, compared with SPY. Both lines are rebased to $10,000 on the first shared date. Based on total returns — prices are adjusted for dividends and splits, so this assumes distributions were reinvested. Hover or tap the chart for exact values.

SCHR Drawdown

The "underwater" chart: SCHR's decline from its highest prior value at each point in time. It shows how deep past losses ran and how long the fund took to recover to break-even.

Overview

The Schwab Intermediate-Term U.S. Treasury ETF, issued by Schwab ETFs, is a $13.5 billion fund graded C with an overall rank of 335 out of 458 tracked ETFs. Within the US Bonds - Government category, it sits at 12 of 22, reflecting a cost structure that is notably lower than the category median expense ratio of 0.07%. The fund offers a dividend yield of 3.97%, which exceeds the category median of 3.84%, providing a modest income profile relative to its peers. Its top 10 holdings represent only 19.0% of assets, with the largest single position being United States Treasury at 2.1%, indicating a broadly diversified exposure to government debt.

The fund's price of $24.21 rests at the very bottom of its 52-week range, capturing just 0.8% of the total spread. Short-term performance has been negative across the one-day, one-week, and one-month horizons, with the one-month return at -0.59%. This recent weakness contrasts with the three-year record, which shows a positive return of +12.00%, suggesting a divergence between immediate trends and longer-term results. The one-year return of -0.20% trails the category median of -0.09%, highlighting underperformance over the past year. The ETFValuer grade has remained unchanged at C for the last 35 tracked days, and the fund has only 3.0 years of price history available for analysis.

With a volatility of 3.26% annualised, the fund is classified as Very Low, while its beta of 0.78 indicates it moves less than the broader market. Despite this lower sensitivity, the Sharpe ratio of -1.59 suggests that the risk-adjusted returns have been negative over the measured period. The maximum drawdown of -4.35% reflects the deepest peak-to-trough decline recorded in the fund's history. Liquidity appears robust, supported by an average daily volume of 2,746,204 shares and a tight bid/ask spread of 0.04%. These metrics collectively describe a fund that has experienced limited price swings but has struggled to generate positive risk-adjusted returns recently.

AI-generated summary based on the data on this page.

SCHR Top Holdings

Holdings as of 2026-06-30 per the fund's most recent SEC N-PORT-P filing. Top 10 holdings make up 19.0% of net assets — a rough gauge of concentration risk (the higher this figure, the more the fund's return depends on a handful of names). To see how SCHR's holdings overlap with other ETFs you own or are considering, check the Stock Overlap tool.

Which Funds Overlap With SCHR

Holding two funds that own the same companies adds cost and complexity without adding much diversification. These tracked ETFs share the most names with SCHR's top 10 — AGG overlaps most, holding 1 of the same companies as SCHR's top 10 (19.0% of SCHR's assets).

Compares the top 10 reported holdings of each fund, so it's a floor on true overlap — two S&P 500 trackers overlap ~100% even when only 10 names are listed. Use the Stock Overlap tool to search by individual company.

Market Backdrop

10-Year Treasury Yield: 4.78% (as of 2026-09-04) — The yield on 10-year US Treasury bonds — the standard "risk-free rate" benchmark used to contextualize this fund’s Sharpe ratio and returns.

CBOE Volatility Index (VIX): 15.30 (as of 2026-09-07) — A real-time gauge of expected S&P 500 volatility over the next 30 days — useful context for this fund’s own volatility label.

Federal Funds Rate: 3.63% (as of 2026-08-01) — The Federal Reserve’s target policy rate, which anchors short-term borrowing costs across the economy.

SCHR Liquidity, Domicile & Tax Treatment

Liquidity: Quoted bid/ask spread is 0.04% and average daily volume is 2.7M/day. Tighter spreads and higher volume mean lower round-trip trading costs; this is a live-market snapshot and can widen during volatile sessions. AUM of $13.5B provides ample scale, supporting tight spreads and issuer commitment to keep the fund open.

Domicile & tax treatment: SCHR is a US-domiciled, SEC-registered ('40 Act) exchange-traded fund. Dividends and capital gains distributions are reported to US investors on Form 1099-DIV, and the fund is not subject to the PFIC reporting or UCITS-specific rules that apply to Irish- or Luxembourg-domiciled funds. Non-US investors should note that US-domiciled ETFs are generally subject to 30% US withholding tax on dividends (unless reduced by treaty) and to US estate tax exposure on the position — Irish-domiciled UCITS ETFs tracking the same index often avoid both, which is why non-US residents frequently prefer the UCITS equivalent where one exists. This is general information, not tax advice — consult a tax professional for your situation.

SCHR Performance History

How SCHR Compares to Other US Bonds - Government ETFs