SCHZ: Schwab U.S. Aggregate Bond ETF

What does SCHZ hold?#

This fund holds thousands of high quality US bonds. They include government bonds, mortgage bonds and bonds from big companies. When interest rates go up, the prices of these bonds usually go down.

It tracks the Bloomberg US Aggregate Bond Index. It had 12,355 holdings as of June 30, 2026, according to Schwab.

What is the SCHZ expense ratio?#

SCHZ 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 SCHZ done since 2011?#

From July 2011 to October 2026, SCHZ returned about 1.9% a year. Say you put in $10,000 at the start. It would have been worth about $13,377 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.

SCHZ returns by year#

What was SCHZ’s worst drop?#

A drawdown is how far a fund falls from its last high point. SCHZ’s worst fall was −18.7%, from August 4, 2020 to October 24, 2022. By October 16, 2026 it had not yet climbed back to that high.

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 SCHZ?#

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

How does SCHZ compare with similar ETFs?#

Funds that can stand in for SCHZ:

• AGG: iShares Core U.S. Aggregate Bond ETF, 0.03% a year
• BND: Vanguard Total Bond Market ETF, 0.03% a year
• IUSB: iShares Core Universal USD Bond ETF, 0.06% a year
• VGIT: Vanguard Intermediate-Term Treasury ETF, 0.03% a year

See all 7 SCHZ alternatives, compared on the same dates as SCHZ.

Test SCHZ 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 SCHZ, 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 SCHZ. 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.