Growth of $10,000 in SCHO
Schwab Short-Term U.S. Treasury ETF · Schwab
A $10,000 investment compounding at SCHO’s trailing 10-year annualized total return of 1.8% would reach $14,176 in 20 years. The table shows every combination of averaging period and horizon; returns include dividends and are net of the fund's 0.03% expense ratio. Past performance does not predict future results.
Projection table
| Horizon | At 3-year avg (4.3%) | At 5-year avg (1.9%) | At 10-year avg (1.8%) |
|---|---|---|---|
| 5 years | $12,325 | $10,998 | $10,912 |
| 10 years | $15,191 | $12,095 | $11,906 |
| 15 years | $18,724 | $13,301 | $12,991 |
| 20 years | $23,077 | $14,628 | $14,176 |
| 25 years | $28,444 | $16,087 | $15,468 |
| 30 years | $35,058 | $17,692 | $16,878 |
Annualized total returns as of Aug 7, 2026, dividends reinvested. A constant rate is an illustration of compounding — real markets are far bumpier.
Want a different amount, horizon or a side-by-side fund comparison? Open SCHO in the interactive calculator →
Frequently Asked Questions
What would $10,000 in SCHO be worth in 10 years?
Compounding at its trailing 10-year annualized return of 1.8%, $10,000 in SCHO would grow to about $11,906 in 10 years and $14,176 in 20 years. Real returns arrive unevenly, so treat this as an illustration of compounding, not a forecast.
What is SCHO's average annual return?
As of Aug 7, 2026, SCHO's annualized total returns were 4.3% over 3 years, 1.9% over 5 years, 1.8% over 10 years — dividends reinvested, net of its 0.03% expense ratio.