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 (SCHR) operates within the US Bonds - Government category, which ETFValuer tracks with a total of 22 funds. Issued by Schwab ETFs, this fund has accumulated assets under management of $13.4 billion and trades at a price of $24.49. It holds an overall rank of #328 out of 458 tracked ETFs across all categories and has received an ETFValuer grade of C with a score of 55.0 out of 100. The fund offers a low cost structure with an expense ratio of 0.03% while providing a dividend yield of 3.90%. The substantial asset size and low expense ratio suggest significant investor adoption relative to the cost of holding the fund. These metrics position SCHR as a widely held option within its specific government bond segment despite its mid-tier overall ranking.

Recent performance data shows a mixed trajectory across various time horizons, starting with a 1-day return of +0.25% and a 1-week gain of +0.20%. Short-term momentum shifted negative over the last month with a -0.73% return, followed by a -0.68% decline over three months. The six-month return of -0.28% and year-to-date figure of -0.39% indicate a period of stagnation or slight erosion in value. However, the longer-term outlook presents a different picture, with a one-year return of +2.48% and a three-year return of +12.03%. This divergence suggests that while recent months have been challenging, the fund has delivered positive cumulative gains over the past year and three years.

SCHR carries a volatility label of Very Low and a beta of 0.78, indicating that the fund generally experiences less price fluctuation than the broader market. Despite this lower volatility, the fund recorded a maximum drawdown of -4.35% during the measured period. The Sharpe ratio of -0.73 reflects a negative risk-adjusted return, suggesting that the returns generated have not adequately compensated for the risk taken. This combination of low volatility and a negative Sharpe ratio implies that while the fund avoids extreme swings, it has struggled to generate positive excess returns relative to its risk profile. The data points to a fund that moves cautiously but has faced periods where returns were insufficient to offset the downside risk experienced.

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

SCHR Top Holdings

Holdings as of 2026-03-31 per the fund's most recent SEC N-PORT-P filing. Top 10 holdings make up 19.6% 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 (19.6% 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: 4.65% (as of 2026-07-27) — 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): 18.67 (as of 2026-07-27) — 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 2026-06-01) — 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 — and average daily volume is 3.0M/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 $13.4B 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