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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
11/13/2026: SCHO (3-star) is a REGULAR-BUY. BUY for 17 days. Simulated Profits (-0.13%). Updated daily EoD!
The Schwab Short-Term U.S. Treasury ETF (SCHO) provides low-cost exposure to U.S. Treasury securities with maturities of one to three years. Its primary strengths are its exceptional issuer quality, low expense ratio, and high market liquidity, making it an efficient tool for capital preservation and interest income. Investors typically use it as a low-risk component of a diversified portfolio or a parking spot for liquid assets. The primary risks are interest rate sensitivity and inflation, as its returns are driven by short-term government bond yields. It is most suitable for conservative investors prioritizing stability over aggressive growth.
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 ETF offers low capital appreciation potential compared to growth-oriented equity assets. |
| Momentum investor | Weak fit | Short-term Treasuries typically lack the price momentum required by this style. |
| Value investor | Mixed fit | It may serve as a parking spot for capital while waiting for better valuation opportunities elsewhere. |
| Dividend/Income investor | Strong fit | It provides a steady, safe stream of interest income from U.S. government obligations. |
| Low-risk investor | Strong fit | The minimal interest rate and credit risk makes it an ideal fit for risk-averse portfolios. |
Investor Profile
Ideal Investor Profile
The ideal investor is someone seeking a safe place for capital with minimal risk, such as those building a conservative portfolio or managing short-term cash needs.
Suitability
SCHO is highly suitable for conservative, long-term investors or those looking to park cash, rather than active traders seeking significant price appreciation.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Low | The short duration of the underlying bonds limits exposure to significant interest rate swings. |
| Market risk | Low | As U.S. Treasury securities, the credit risk is virtually nonexistent. |
| Concentration | Low | The fund is highly diversified across multiple Treasury issues within the 1-3 year maturity range. |
| Tracking/expense | Low | The extremely low expense ratio and high liquidity result in minimal tracking error. |
| Liquidity | Low | The high trading volume ensures investors can enter and exit positions easily. |
| Business/sector quality | Low | The asset class is backed by the U.S. government, representing the highest quality of debt security. |
Sector & Industry Intelligence
This fund is not assigned to one sector.
Risk Analysis
Volatility
SCHO demonstrates very low historical volatility, making it one of the most stable assets in a diversified portfolio.
Market Risk
Market risk is primarily tied to interest rate movements rather than credit default, as U.S. Treasuries are considered the benchmark for risk-free assets.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Fixed-income type | U.S. Treasury Notes (1-3 Year Maturity) | 99.5 | This represents high-quality U.S. government debt that provides stability and serves as a low-risk foundation for a portfolio. |
| Cash/collateral | Cash and Cash Equivalents | 0.5 | Small cash buffers are held to manage daily flows and ensure efficient fund operations. |
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 11.13% | Avg. Invested days 111 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | ETF Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/13/2026 |
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