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

Total Real Returns

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

SCHZ real return snapshot: after CPI-U inflation, SCHZ returned −0.70% over the past year and −3.48% YTD, with dividends reinvested. Since Jul. 14, 2011, SCHZ is down −8.46% in real purchasing-power return, or −0.59%/yr, and is currently −24.92% below its real total-return high on Aug. 4, 2020.

Data ending Wed Jul. 22, 2026

Growth of $10,000

Thu 2011-07-14💬 to Wed 2026-07-22 Overall
Return 		Exponential
Trendline
SCHZ × 		−8.46%
−0.59%/yr 		−0.95%/yr
R2=0.234
Schwab U.S. Aggregate Bond ETF Exchange-Traded Fund

Growth of $10,000 Summary

Thu 2011-07-14💬 to Wed 2026-07-22 Start
Value 		End
Value
SCHZ × 		$10,000.00
2011-07-14 		$9,154.12
2026-07-22

This Year’s Performance

through 2026-07-22

  YTD YoY
SCHZ × 		−3.48% −0.70%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
SCHZ × 		−24.92%
on 2026-07-22
from 2020-08-04 peak 		−30.92%
on 2023-10-19
from 2020-08-04 peak

Rolling Returns

Period ending Wed 2026-07-22 1 yr 2 yr 3 yr 5 yr 10 yr
SCHZ × 		−0.70% +1.13%
+0.56%/yr 		+1.72%
+0.57%/yr 		−19.97%
−4.36%/yr 		−17.68%
−1.93%/yr

Annual Returns

Year SCHZ
2026 (YTD) −3.48%
2025 +4.45%
2024 −1.57%
2023 +2.18%
2022 −18.44%
2021 −8.18%
2020 +6.02%
2019 +6.22%
2018 −1.90%
2017 +1.36%
2016 +0.14%
2015 −0.31%
2014 +5.48%
2013 −3.45%
2012 +1.56%
2011 +4.29%