SCHO
Schwab Short-Term US Treasury ETF · Schwab
Bonds & Treasuries
1Y Return
+4.5%
Expense Ratio
0.03%
AUM
$13B
Dividend Yield
3.90%
Avg Annual Growth (10Y)
+0.5%
Issuer
Schwab Asset Management

Overview

US Treasuries maturing in one to three years — minimal rate risk, full government backing, at 0.03%.

Top Holdings

TickerHoldingWeight
USTTreasury Note 4.25% 20272.4%
USTTreasury Note 4.0% 20282.3%
USTTreasury Note 4.5% 20272.2%
USTTreasury Note 3.875% 20272.1%
USTTreasury Note 4.125% 20282.0%
USTTreasury Note 4.375% 20281.9%
USTTreasury Note 3.75% 20271.9%
USTTreasury Note 4.625% 20271.8%
USTTreasury Note 4.25% 20281.8%
USTTreasury Note 4.0% 20271.7%

Fund Details

Index
Bloomberg US Treasury 1-3 Year
# Holdings
~100
Inception
Aug 2010
Exchange
NYSE Arca
Structure
Open-End Fund
Distribution
Monthly
Avg Annual Growth (10Y)
+0.5%
Avg Annual Yield (10Y)
2.18%

Investment Thesis

The 1-3 year Treasury sector is the conservative investor's sweet spot right now: yields close to cash but with enough duration that Fed cuts add price gains instead of just shrinking your income. SCHO owns it for three basis points with monthly payouts and state-tax-exempt interest. It's the step-out-of-cash trade in its simplest form.

Who It's For

Savers extending out of money markets before yields fall, and portfolio builders who want their safe sleeve in pure short Treasuries. Boring, cheap, and exactly as advertised.

10-Year History

Annual Closing Price
YearClose% Chg
2016$23.50--
2017$23.43-0.3%
2018$23.45+0.1%
2019$23.92+2.0%
2020$24.52+2.5%
2021$24.27-1.0%
2022$23.18-4.5%
2023$23.65+2.0%
2024$24.00+1.5%
2025$24.60+2.5%
Annual Dividend Yield
YearYield
20160.80%
20171.10%
20182.00%
20192.20%
20201.00%
20210.30%
20221.80%
20234.20%
20244.40%
20254.00%
Annual AUM
YearAUM% Chg
2016$2.5B--
2017$3B+20.0%
2018$4B+33.3%
2019$5B+25.0%
2020$7B+40.0%
2021$8B+14.3%
2022$11B+37.5%
2023$13B+18.2%
2024$12B-7.7%
2025$13B+8.3%

Historical figures are ETFHub estimates modelled from asset-class return patterns and may differ from official fund records. Data as of August 2026.

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