Growth of $10,000 in SCHZ
Schwab U.S. Aggregate Bond ETF · Schwab
A $10,000 investment compounding at SCHZ’s trailing 10-year annualized total return of 1.4% would reach $13,206 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 (4.2%) | At 5-year avg (-0.2%) | At 10-year avg (1.4%) |
|---|---|---|---|
| 5 years | $12,302 | $9,886 | $10,720 |
| 10 years | $15,133 | $9,772 | $11,492 |
| 15 years | $18,616 | $9,660 | $12,319 |
| 20 years | $22,901 | $9,550 | $13,206 |
| 25 years | $28,172 | $9,441 | $14,156 |
| 30 years | $34,656 | $9,333 | $15,175 |
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 SCHZ in the interactive calculator →
Frequently Asked Questions
What would $10,000 in SCHZ be worth in 10 years?
Compounding at its trailing 10-year annualized return of 1.4%, $10,000 in SCHZ would grow to about $11,492 in 10 years and $13,206 in 20 years. Real returns arrive unevenly, so treat this as an illustration of compounding, not a forecast.
What is SCHZ's average annual return?
As of Aug 7, 2026, SCHZ's annualized total returns were 4.2% over 3 years, -0.2% over 5 years, 1.4% over 10 years — dividends reinvested, net of its 0.03% expense ratio.