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ETF comparison

SCHO vs SCHZ

US Treasury (Short) vs US Aggregate Bond.

Schwab Short-Term U.S. Treasury ETF · Schwab U.S. Aggregate Bond ETF

Holdings overlap

Weighted by ISIN/CUSIP
16.3 %

96 positions appear in both funds. Buying equal dollars of SCHO and SCHZ would leave roughly 16.3% of each dollar exposed to the same underlying securities.

SCHO unmatched 82.8% Shared 16.3% SCHZ unmatched 82.4%

Unmatched is the part of a fund's weight the other fund doesn't match: names only it holds, plus any extra weight it puts in names both funds hold.

In SCHO only
0 positions
Shared
96 positions
In SCHZ only
12,230 positions

Side by side

SCHO

Schwab Short-Term U.S. Treasury ETF

Schwab · US Treasury (Short)

89 composite / 100
Expense ratio
0.030%
Net assets
$15.28B
TTM yield
3.83%
Top-10 conc.
14.4%
SCHZ

Schwab U.S. Aggregate Bond ETF

Schwab · US Aggregate Bond

89 composite / 100
Expense ratio
0.030%
Net assets
$10.45B
TTM yield
4.30%
Top-10 conc.
3.7%

Sub-score comparison

97
Cost
97
58
Tax efficiency
52
100
Liquidity
100
N/A
Concentration
100
—
Tracking quality
—
SCHO sub-score SCHZ

Tracking quality isn't part of the composite — see what we don't score for why.

Cost difference

Expense ratios are effectively identical (0.030% vs 0.030%).

Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with SCHO vs SCHZ.

Top shared holdings

96 shared in total
# Holding In SCHO In SCHZ Overlap
1 United States Treasury 2.18% 0.35% 0.35%
2 United States Treasury 1.34% 0.30% 0.30%
3 United States Treasury 1.36% 0.28% 0.28%
4 United States Treasury 1.13% 0.28% 0.28%
5 United States Treasury 1.34% 0.24% 0.24%
6 United States Treasury 1.12% 0.24% 0.24%
7 United States Treasury 1.37% 0.24% 0.24%
8 United States Treasury 1.12% 0.23% 0.23%
9 United States Treasury 1.39% 0.22% 0.22%
10 United States Treasury 1.35% 0.22% 0.22%
11 United States Treasury 1.35% 0.22% 0.22%
12 United States Treasury 1.35% 0.22% 0.22%

Only in SCHO

0 total

Every SCHO position is also held by SCHZ.

Only in SCHZ

12,230 total
  • United States Treasury 0.39%
  • United States Treasury 0.39%
  • United States Treasury 0.39%
  • United States Treasury 0.37%
  • United States Treasury 0.37%
  • United States Treasury 0.37%
  • United States Treasury 0.36%
  • United States Treasury 0.36%
  • United States Treasury 0.36%
  • United States Treasury 0.36%

Related comparisons

More comparisons with SCHO

More comparisons with SCHZ

Percentages are holdings overlap with the named fund.

Open SCHO or SCHZ at a brokerage

Both funds trade commission-free at major US brokerages.

Open at Fidelity

Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.

Holdings overlap is the sum of min(weight_a, weight_b) over positions matched on ISIN (CUSIP fallback). Methodology: see /methodology/.

Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.