SCHP: Schwab U.S. TIPS ETF

What does SCHP hold?#

This fund owns US government bonds called TIPS. Their value is adjusted when prices in the economy go up. Their prices can still fall when interest rates rise.

It tracks the Bloomberg US Treasury Inflation-Linked Bond Index (Series-L). It had 49 holdings as of June 30, 2026, according to Schwab.

What is the SCHP expense ratio?#

SCHP charges 0.03% a year. An expense ratio is the yearly fee a fund takes to run itself. On $10,000, a 0.03% fee comes to about $3 a year.

You never get a bill for it. The fund takes the fee out of its own value a little each day.

How has SCHP done since 2010?#

From August 2010 to October 2026, SCHP returned about 2.6% a year. Say you put in $10,000 at the start. It would have been worth about $15,216 at the end, with every dividend reinvested.

Prices through October 16, 2026. Figures use daily closing prices adjusted for splits, with dividends reinvested. They do not include taxes or the cost of buying and selling. Past results do not tell you what will happen next.

SCHP returns by year#

What was SCHP’s worst drop?#

A drawdown is how far a fund falls from its last high point. SCHP’s worst fall was −14.3%, from March 8, 2022 to October 6, 2023. It got back to that high on October 22, 2025.

The chart shows how far below its last high the fund was on each day. Big drops are normal for some funds. They matter because selling during a drop locks in the loss.

Which Tactfolio strategies hold SCHP?#

No classic strategy holds SCHP yet. You can add it to your own rules in the builder and see how they would have done.

How does SCHP compare with similar ETFs?#

Funds that can stand in for SCHP:

• VTIP: Vanguard Short-Term Inflation-Protected Securities ETF, 0.03% a year
• TIP: iShares TIPS Bond ETF, 0.18% a year
• VGIT: Vanguard Intermediate-Term Treasury ETF, 0.03% a year
• IEF: iShares 7-10 Year Treasury Bond ETF, 0.15% a year

See all 8 SCHP alternatives, compared on the same dates as SCHP.

Test SCHP in your own rules#

Tactfolio is a platform where you build rules-based investing strategies, backtest them on decades of real prices, share them, and run them automatically in your own Alpaca account. Open the builder, add SCHP, and see how a rule such as “hold it only above its 200-day average” would have done. Strategies run on daily prices and hold US stocks and ETFs only.

The details#

Prices come from Tactfolio’s stored daily prices for SCHP. Each close is adjusted for splits, and dividends are reinvested on the day the fund pays them out. CAGR is the steady yearly return that turns the starting value into the ending value. Volatility is the yearly standard deviation of daily returns.

Fund facts come from Schwab. We checked them on October 17, 2026. Read what a backtest simulates and how to read drawdown and CAGR for more on these measures.