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- Upturn Summary
- Fund Details
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
10/01/2026: SCHR (3-star) is currently NOT-A-BUY. Pass it for now.
SCHR provides efficient exposure to intermediate-term U.S. Treasury bonds, offering a low-cost, low-risk foundation for a balanced investment portfolio. Its primary strengths are its expense ratio, high liquidity, and the backing of U.S. government debt. It serves best as a defensive anchor or income generator for investors looking to balance out riskier assets. Key risks center on interest rate sensitivity, where rising rates may negatively impact price. It is most suitable for conservative or income-focused investors who prioritize safety and stability.
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 offers stability rather than the aggressive capital appreciation typically sought by growth investors. |
| Momentum investor | Weak fit | Momentum strategies rarely prioritize bond-focused ETFs unless a major trend reversal toward falling rates is identified. |
| Value investor | Mixed fit | Value investors may use this as a defensive hedge, though it provides no intrinsic value upside. |
| Dividend/Income investor | Strong fit | It provides consistent, reliable income through interest payments from high-quality government securities. |
| Low-risk investor | Strong fit | With U.S. government backing and moderate duration, it is an ideal tool for capital preservation and risk reduction. |
Investor Profile
Ideal Investor Profile
Conservative investors, retirees, or those managing balanced portfolios who seek capital preservation and moderate income.
Suitability
Best suited for long-term investors using the fund for core asset allocation and as a defensive hedge.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Medium | Intermediate bonds experience moderate price swings due to changes in market interest rates. |
| Market risk | Medium | General economic and interest rate conditions influence the overall market value of Treasury holdings. |
| Concentration | Low | The fund is broadly diversified across various intermediate-term Treasury issues. |
| Tracking/expense | Low | The fund has a very low expense ratio and minimal tracking error relative to its benchmark. |
| Liquidity | Low | The underlying assets are highly liquid, making the fund easy to trade without significant price impact. |
| Business/sector quality | Low / none | U.S. Treasuries are backed by the full faith and credit of the U.S. government, representing negligible credit risk. |
Risk Analysis
Volatility
The fund exhibits moderate volatility typical of the intermediate portion of the Treasury yield curve.
Market Risk
Primary risks include interest rate risk and inflation risk, which affect the pricing of fixed-rate Treasury securities.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Fixed-income type | U.S. Treasury Bonds (Intermediate-Term) | 99.5 | This exposure provides low-risk, government-backed income with moderate sensitivity to interest rate changes. |
| Cash/collateral | Cash and Cash Equivalents | 0.5 | Minimal cash is held to manage daily inflows and outflows efficiently. |
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 10.17% | Avg. Invested days 189 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | ETF Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/01/2026 |
ETF Fundamentals 
Source: EOD Historical Data • Updated Oct 1, 2026
Fund Basics
| Metric | Value |
|---|---|
| Fund Size (AUM) | $13.16B |
| Issuer | Schwab ETFs |
| Expense Ratio | 0.03% |
| Distribution Yield | 3.97% |
| Inception | Aug 5, 2010 |
Performance
| Period | Total Return |
|---|---|
| YTD | -2.58% |
| 1 Year | -1.38% |
| 3 Year | +3.64% |
| 5 Year | -0.39% |
| 10 Year | +0.92% |
Risk Metrics
| Metric | Value |
|---|---|
| 1Y Volatility | 2.84% |
| 3Y Volatility | 4.54% |
| 3Y Sharpe Ratio | -0.18 |
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 | 56.0% |
Top Holdings
| Holding | Weight |
|---|---|
| United States Treasury Notes 1.12% | 2.47% |
| United States Treasury Notes 0.88% | 2.41% |
| United States Treasury Notes 0.75% | 1.90% |
| United States Treasury Notes 1.25% | 1.83% |
| United States Treasury Notes 0.62% | 1.65% |
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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