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Upturn AI Summary
Schwab Intermediate-Term U.S. Treasury ETF(SCHR)
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 SCHR
11/03/2026: SCHR (3-star) is a STRONG-BUY. BUY for 3 days. Simulated Profits (-0.17%). Updated daily EoD!
The Schwab Intermediate-Term U.S. Treasury ETF (SCHR) provides exposure to U.S. Treasury securities with maturities between 3 and 10 years, offering a conservative investment vehicle backed by the U.S. government. Its primary strengths include an industry-low expense ratio, high liquidity, and the reliability of its issuer, Charles Schwab. It serves effectively as a core fixed-income holding for diversifying risk in a balanced portfolio. Investors must be aware that, while credit risk is negligible, the fund remains subject to interest rate risk, where rising rates lead to price declines. It is best suited for conservative, income-focused investors who prioritize capital preservation over high 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 fund focuses on capital preservation and income rather than the aggressive appreciation sought by growth investors. |
| Momentum investor | Mixed fit | Momentum investors may find utility during flight-to-quality cycles when Treasuries outperform riskier assets. |
| Value investor | Mixed fit | Value investors may use this for asset allocation, but it does not offer the mispricing opportunities typical of value strategies. |
| Dividend/Income investor | Strong fit | It provides a steady, reliable stream of interest income backed by the full faith and credit of the U.S. government. |
| Low-risk investor | Strong fit | It is an excellent tool for conservative investors looking to mitigate volatility and hedge against equity market downturns. |
Investor Profile
Ideal Investor Profile
Conservative investors, retirees, and those seeking to balance a portfolio of risky assets with stable, government-backed securities.
Suitability
Best for long-term investors seeking income and portfolio stabilization rather than active traders.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Medium | Prices fluctuate based on changes in interest rates, which inversely affect bond values. |
| Market risk | Medium | Changes in economic conditions and Fed policy can cause shifts in Treasury yields. |
| Concentration | Low | The fund is concentrated in U.S. Treasuries, which are considered the safest asset class but remain subject to systemic interest rate risk. |
| Tracking/expense | Low | The fund has an extremely low expense ratio and minimal tracking error relative to its benchmark. |
| Liquidity | Low | The market for U.S. Treasuries is the most liquid in the world, ensuring easy transaction execution. |
| Business/sector quality | Low / none | U.S. government debt carries the highest credit quality ratings. |
Risk Analysis
Volatility
SCHR exhibits moderate volatility, primarily dictated by interest rate fluctuations rather than credit risk.
Market Risk
The primary risk is interest rate risk; if rates rise, the price of the intermediate bonds held in the portfolio will fall.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Fixed-income type | U.S. Treasury Notes (3-10 Year Maturity) | 99.8 | These government-backed securities provide stable income and capital preservation, acting as a core bond holding. |
| Cash/collateral | Cash and Cash Equivalents | 0.2 | Small cash position held for operational liquidity and trade settlement. |
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 12.12% | Avg. Invested days 111 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | ETF Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/03/2026 |
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