Schwab U.S. Aggregate Bond ETF (SCHZ)

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The chart shows the growth of an initial investment of $10,000 in Schwab U.S. Aggregate Bond ETF, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.

Schwab U.S. Aggregate Bond ETF (SCHZ) has returned 0.05% so far this year and 4.41% over the past 12 months. Over the last ten years, SCHZ has returned 1.61% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.

Based on dividend-adjusted daily data since Jul 14, 2011, SCHZ's average daily return is +0.01%, while the average monthly return is +0.18%. At this rate, your investment would double in approximately 32.1 years.

Historically, 56% of months were positive and 44% were negative. The best month was Nov 2023 with a return of +4.6%, while the worst month was Sep 2022 at -4.3%. The longest winning streak lasted 5 consecutive months, and the longest losing streak was 6 months.

On a daily basis, SCHZ closed higher 52% of trading days. The best single day was Mar 20, 2020 with a return of +2.7%, while the worst single day was Mar 12, 2020 at -5.2%.

Schwab U.S. Aggregate Bond ETF has an annualized alpha of 2.12%, beta of 0.01, and R² of 0.00 versus S&P 500 Index. Calculated based on daily prices since July 15, 2011.

• This ETF participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (11.49%) than losses (11.38%) — typical of diversified or defensive assets.
• Beta of 0.01 may look defensive, but with R² of 0.00 this ETF is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this ETF's risk.
• R² of 0.00 means this ETF moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

SCHZ has an expense ratio of 0.03%, which is considered low.

SCHZ ranks 55 for risk / return — on par with similar ETFs. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

The table below present risk-adjusted performance metrics for Schwab U.S. Aggregate Bond ETF (SCHZ) and compare them to a chosen benchmark (S&P 500 Index).

Schwab U.S. Aggregate Bond ETF provided a 4.07% dividend yield over the last twelve months, with an annual payout of $0.95 per share. The fund has been increasing its distributions for 4 consecutive years.

The table displays the monthly dividend distributions for Schwab U.S. Aggregate Bond ETF. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the Schwab U.S. Aggregate Bond ETF. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Schwab U.S. Aggregate Bond ETF was 18.74%, occurring on Oct 24, 2022. The portfolio has not yet recovered.

The current Schwab U.S. Aggregate Bond ETF drawdown is 2.71%.

The chart below shows the rolling one-month volatility.