All charts and data below are CPI-U inflation-adjusted and with dividends reinvested. (Why?)

Total Real Returns

SCHO: Total Real Return Chart (Dividends Reinvested, Inflation Adjusted)

SCHO real return snapshot: after CPI-U inflation, SCHO returned −0.66% over the past year and −2.59% YTD, with dividends reinvested. Since Aug. 6, 2010, SCHO is down −19.35% in real purchasing-power return, or −1.34%/yr, and is currently −19.53% below its real total-return high on Oct. 7, 2010.

Data ending Fri Jul. 24, 2026

Growth of $10,000

Fri 2010-08-06💬 to Fri 2026-07-24 Overall
Return 		Exponential
Trendline
SCHO × 		−19.35%
−1.34%/yr 		−1.44%/yr
R2=0.767
Schwab Short-Term U.S. Treasury ETF Exchange-Traded Fund

Growth of $10,000 Summary

Fri 2010-08-06💬 to Fri 2026-07-24 Start
Value 		End
Value
SCHO × 		$10,000.00
2010-08-06 		$8,065.32
2026-07-24

This Year’s Performance

through 2026-07-24

  YTD YoY
SCHO × 		−2.59% −0.66%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
SCHO × 		−19.53%
on 2026-07-24
from 2010-10-07 peak 		−22.58%
on 2023-09-27
from 2010-10-07 peak

Rolling Returns

Period ending Fri 2026-07-24 1 yr 2 yr 3 yr 5 yr 10 yr
SCHO × 		−0.66% +1.41%
+0.70%/yr 		+3.44%
+1.13%/yr 		−10.73%
−2.24%/yr 		−14.64%
−1.57%/yr

Annual Returns

Year SCHO
2026 (YTD) −2.59%
2025 +2.74%
2024 +0.75%
2023 +0.93%
2022 −9.71%
2021 −7.17%
2020 +1.72%
2019 +1.15%
2018 −0.34%
2017 −1.74%
2016 −1.27%
2015 −0.33%
2014 −0.22%
2013 −1.08%
2012 −1.51%
2011 −1.47%
2010 −0.42%