ETF comparison
SCHZ vs SHY
US Aggregate Bond vs US Treasury (Short).
Schwab U.S. Aggregate Bond ETF · iShares 1-3 Year Treasury Bond ETF
Holdings overlap
85 positions appear in both funds. Buying equal dollars of SCHZ and SHY would leave roughly 14.9% 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
SCHZ 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 SCHZ vs SHY.
Top shared holdings
85 shared in total| # | Holding | In SCHZ | In SHY | Overlap |
|---|---|---|---|---|
| 1 | United States Treasury | 0.35% | 1.71% | 0.35% |
| 2 | United States Treasury | 0.30% | 0.73% | 0.30% |
| 3 | United States Treasury | 0.24% | 1.18% | 0.24% |
| 4 | United States Treasury | 0.23% | 0.89% | 0.23% |
| 5 | United States Treasury | 0.22% | 1.52% | 0.22% |
| 6 | United States Treasury | 0.22% | 0.52% | 0.22% |
| 7 | United States Treasury | 0.22% | 0.78% | 0.22% |
| 8 | United States Treasury | 0.22% | 0.71% | 0.22% |
| 9 | United States Treasury | 0.21% | 1.06% | 0.21% |
| 10 | United States Treasury | 0.21% | 0.84% | 0.21% |
| 11 | United States Treasury | 0.21% | 0.96% | 0.21% |
| 12 | United States Treasury | 0.21% | 1.07% | 0.21% |
Only in SCHZ
12,241 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%
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 SCHZ
- SCHZ vs IEI · iShares 3-7 Year Treasury Bond ETF 14.6%
- SCHZ vs FBND · Fidelity Total Bond ETF 14.6%
- SCHZ vs SPIB · State Street SPDR Portfolio Intermediate Term Corporate Bond ETF 14.3%
- SCHZ vs LQD · iShares iBoxx $ Investment Grade Corporate Bond ETF 12.5%
- SCHZ vs VMBS · Vanguard Mortgage-Backed Securities Index Fund ETF Shares 10.9%
- SCHZ vs SPTL · State Street SPDR Portfolio Long Term Treasury ETF 9.5%
More comparisons with SHY
- SHY vs EAGG · iShares ESG U.S. Aggregate Bond ETF 14.8%
- SHY vs SPAB · State Street SPDR Portfolio Aggregate Bond ETF 14.3%
- SHY vs AGGY · WisdomTree Yield Enhanced U.S. Aggregate Bond Fund 13.4%
- SHY vs IUSB · iShares Core Universal USD Bond ETF 12.4%
- SHY vs NEAR · iShares Short Duration Bond Active ETF 8.2%
- SHY vs CGCP · Capital Group Core Plus Income ETF 4.9%
Percentages are holdings overlap with the named fund.
Open SCHZ 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.