ETF comparison
SCHO vs SHY
Both US Treasury (Short).
Schwab Short-Term U.S. Treasury ETF · iShares 1-3 Year Treasury Bond ETF
Holdings overlap
85 positions appear in both funds. Buying equal dollars of SCHO and SHY would leave roughly 81.4% of each dollar exposed to the same underlying securities.
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.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for why.
Cost difference
SCHO is 12 bps cheaper than SHY. On a $100,000 position that's about $120/yr more in fees for SHY.
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 SHY.
Top shared holdings
85 shared in total| # | Holding | In SCHO | In SHY | Overlap |
|---|---|---|---|---|
| 1 | United States Treasury | 2.18% | 1.71% | 1.71% |
| 2 | United States Treasury | 1.39% | 1.52% | 1.39% |
| 3 | United States Treasury | 1.32% | 1.36% | 1.32% |
| 4 | United States Treasury | 1.26% | 1.29% | 1.26% |
| 5 | United States Treasury | 1.20% | 1.28% | 1.20% |
| 6 | United States Treasury | 1.20% | 1.35% | 1.20% |
| 7 | United States Treasury | 1.19% | 1.24% | 1.19% |
| 8 | United States Treasury | 1.16% | 1.34% | 1.16% |
| 9 | United States Treasury | 1.35% | 1.16% | 1.16% |
| 10 | United States Treasury | 1.15% | 1.96% | 1.15% |
| 11 | United States Treasury | 1.15% | 1.33% | 1.15% |
| 12 | United States Treasury | 1.15% | 1.16% | 1.15% |
Only in SCHO
11 total- United States Treasury 1.37%
- United States Treasury 1.36%
- United States Treasury 1.34%
- United States Treasury 1.13%
- United States Treasury 0.92%
- United States Treasury 0.75%
- United States Treasury 0.16%
- United States Treasury 0.16%
- United States Treasury 0.09%
- United States Treasury 0.09%
Only in SHY
4 total- United States of America 1.84%
- United States of America 1.60%
- United States of America 1.32%
- United States of America 1.18%
Related comparisons
More comparisons with SCHO
- SCHO vs GOVT · iShares U.S. Treasury Bond ETF 26.1%
- SCHO vs BND · Vanguard Total Bond Market Index Fund ETF Shares 17.2%
- SCHO vs SCHZ · Schwab U.S. Aggregate Bond ETF 16.3%
- SCHO vs AGG · iShares Core U.S. Aggregate Bond ETF 15.4%
- SCHO vs BIL · State Street SPDR Bloomberg 1-3 Month T-Bill ETF 0.0%
- SCHO vs BNDX · Vanguard Total International Bond Index Fund ETF Shares 0.0%
More comparisons with SHY
- SHY vs SPTS · State Street SPDR Portfolio Short Term Treasury ETF 81.0%
- SHY vs BSV · Vanguard Short-Term Bond Index Fund ETF Shares 37.4%
- SHY vs GVI · iShares Intermediate Government/Credit Bond ETF 27.3%
- SHY vs GOVT · iShares U.S. Treasury Bond ETF 22.9%
- SHY vs BND · Vanguard Total Bond Market Index Fund ETF Shares 15.9%
- SHY vs AGG · iShares Core U.S. Aggregate Bond ETF 15.3%
Percentages are holdings overlap with the named fund.
Open SCHO or SHY at a brokerage
Both funds trade commission-free at major US brokerages.
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.