ETF comparison
SCHO vs SHY
Both US Treasury (Short).
Schwab Short-Term U.S. Treasury ETF · iShares 1-3 Year Treasury Bond ETF
Holdings overlap
84 positions appear in both funds. Buying equal dollars of SCHO and SHY would leave roughly 80.7% of each dollar exposed to the same underlying securities.
Side by side
Sub-score comparison
Tracking quality isn't part of the composite — see what we don't score for why.
Cost difference
SCHO is 12 bps cheaper than SHY. On a $100,000 position that's about $120/yr more in fees for SHY.
Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with SCHO vs SHY.
Top shared holdings
84 shared in total| # | Holding | In SCHO | In SHY | Overlap |
|---|---|---|---|---|
| 1 | United States Treasury | 2.22% | 1.71% | 1.71% |
| 2 | United States Treasury | 1.37% | 1.53% | 1.37% |
| 3 | United States Treasury | 1.38% | 1.31% | 1.31% |
| 4 | United States Treasury | 1.22% | 1.28% | 1.22% |
| 5 | United States Treasury | 1.22% | 1.25% | 1.22% |
| 6 | United States Treasury | 1.22% | 1.35% | 1.22% |
| 7 | United States Treasury | 1.18% | 1.33% | 1.18% |
| 8 | United States Treasury | 1.17% | 1.33% | 1.17% |
| 9 | United States Treasury | 1.17% | 1.62% | 1.17% |
| 10 | United States Treasury | 1.17% | 1.34% | 1.17% |
| 11 | United States Treasury | 1.17% | 1.40% | 1.17% |
| 12 | United States Treasury | 1.17% | 1.95% | 1.17% |
Only in SCHO
13 total- United States Treasury 1.38%
- United States Treasury 1.37%
- United States Treasury 1.29%
- United States Treasury 1.15%
- United States Treasury 1.14%
- United States Treasury 1.06%
- United States Treasury 0.92%
- State Street Institutional US Government Money Market Fund 0.21%
- United States Treasury 0.16%
- United States Treasury 0.16%
Only in SHY
6 total- United States of America 1.55%
- United States of America 1.14%
- United States of America 1.13%
- United States of America 0.44%
- BlackRock Funds III 0.27%
- United States of America 0.15%
Open SCHO or SHY at a brokerage
Both funds trade commission-free at major US brokerages.
Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.
Holdings overlap is the sum of min(weight_a, weight_b) over positions
matched on ISIN (CUSIP fallback). Methodology: see
/methodology/.
Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.