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- Upturn Summary
- Fund Details
Upturn AI Summary
Schwab Short-Term U.S. Treasury ETF(SCHO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SCHO
10/07/2026: SCHO (3-star) is currently NOT-A-BUY. Pass it for now.
SCHO provides low-cost exposure to 1-3 year U.S. Treasuries, making it an excellent choice for capital preservation and stable income. Its main strengths include industry-leading low expenses, deep liquidity, and the high credit quality of U.S. government debt. It serves as a primary 'safe haven' tool for balancing risk within a larger portfolio. Key risks to monitor include rising interest rates and inflation, which can impact the real return and market value of the bonds. It is best suited for conservative investors or those seeking a highly liquid, low-volatility asset for cash reserves.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
ETF holdings, costs, diversification, valuation, risks, and market conditions provide supporting context about the fund.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | This fund is designed for capital preservation and income rather than aggressive capital appreciation. |
| Momentum investor | Mixed fit | Suitability is conditional on a positive interest rate environment or safe-haven flows. |
| Value investor | Weak fit | Treasury bonds do not offer traditional value metrics like P/E ratios used in equity analysis. |
| Dividend/Income investor | Strong fit | It provides a steady stream of interest income from high-quality government debt. |
| Low-risk investor | Strong fit | The fund offers minimal default risk and low price volatility, ideal for conservative portfolios. |
Investor Profile
Ideal Investor Profile
Conservative investors, income seekers, and those looking to park cash while maintaining accessibility.
Suitability
Best for long-term investors using it for stability or cash management, rather than active traders.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Low | Short-term bonds have lower sensitivity to interest rate changes compared to long-term bonds. |
| Market risk | Low | Treasuries are backed by the U.S. government, mitigating credit default risk. |
| Concentration | Medium | The portfolio is concentrated entirely in U.S. Treasury securities. |
| Tracking/expense | Low | The fund maintains a very low expense ratio and tight tracking against its index. |
| Liquidity | Low | The underlying Treasury market is among the most liquid in the world. |
| Business/sector quality | Low | As a government bond fund, it lacks traditional business operational risks. |
Risk Analysis
Volatility
Historically very low, making it a stable component of a balanced portfolio.
Market Risk
Primarily driven by interest rate fluctuations rather than credit default risks.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Fixed-income type | U.S. Treasury Notes (1-3 Year) | 99 | These high-quality government securities provide stability and interest income with minimal credit risk. |
| Cash/collateral | Cash and Cash Equivalents | 1 | A small cash buffer is maintained to manage daily liquidity and fund flows. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type ETF | Historic Profit 10.59% | Avg. Invested days 119 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | ETF Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/07/2026 |
ETF Fundamentals 
Source: EOD Historical Data • Updated Oct 7, 2026
Fund Basics
| Metric | Value |
|---|---|
| Fund Size (AUM) | $15.30B |
| Issuer | Schwab ETFs |
| Expense Ratio | 0.03% |
| Distribution Yield | 3.83% |
| Inception | Aug 5, 2010 |
Performance
| Period | Total Return |
|---|---|
| YTD | +0.54% |
| 1 Year | +1.60% |
| 3 Year | +4.12% |
| 5 Year | +1.84% |
| 10 Year | +1.71% |
Risk Metrics
| Metric | Value |
|---|---|
| 1Y Volatility | 1.15% |
| 3Y Volatility | 1.6% |
| 3Y Sharpe Ratio | -0.35 |
Ratings
| Metric | Value |
|---|---|
| Morningstar Rating | ★★★★★ |
| Benchmark | BBgBarc US Agg Bond TR USD |
Top Sectors
| Sector | Weight |
|---|---|
| Basic Materials | 0.00% |
| Consumer Cyclicals | 0.00% |
| Financial Services | 0.00% |
| Real Estate | 0.00% |
Asset Allocation
Portfolio Characteristics
| Metric | Value |
|---|---|
| Holdings Turnover | 81.0% |
Top Holdings
| Holding | Weight |
|---|---|
| United States Treasury Notes 1.5% | 2.17% |
| United States Treasury Notes 2.5% | 2.01% |
| United States Treasury Notes 0.12% | 1.80% |
| United States Treasury Notes 0.25% | 1.80% |
| United States Treasury Notes 0.38% | 1.80% |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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