Schwab 5-10 Year Corporate Bond ETF (SCHI) Performance
SCHI total return
Distributions reinvested · as of Oct 23, 2026- YTD
- −1.8% since Dec 31, 2025
- 1 year
- −1.7% total return
- 5 years
- +0.9% a year
- Since first price
- +1.8% a year since 2019
SCHI trailing returns vs AGG, TLT, SPY
| Period | SCHI total return | Price only | U.S. bonds (AGG) | 20+ yr Treasuries (TLT) | S&P 500 (SPY) |
|---|---|---|---|---|---|
| 1 month | +0.6% | +0.1% | +0.9% | +1.5% | −1.0% |
| 3 months | −1.1% | −2.4% | −0.4% | −1.0% | +3.2% |
| 6 months | −2.3% | −4.8% | −1.5% | −3.8% | +7.8% |
| YTD | −1.8% | −5.5% | −1.0% | −3.4% | +12.3% |
| 1 year | −1.7% | −6.5% | −1.1% | −6.9% | +14.4% |
| 3 years | +22.1%+6.9%/yr | +4.9% | +16.6%+5.2%/yr | +9.7%+3.1%/yr | +87.4%+23.3%/yr |
| 5 years | +4.5%+0.9%/yr | −16.0% | −0.8%−0.2%/yr | −32.5%−7.6%/yr | +79.3%+12.4%/yr |
| Since inceptionOct 10, 2019 | +13.1%+1.8%/yr | −12.9% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: SCHI vs AGG
From Oct 10, 2019: SCHI grew to $11,311, AGG to $10,431.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
SCHI returns by calendar year
4 of 6 full years positive. Best 2020 (+9.7%), worst 2022 (−14.1%). 2026 is year to date.
SCHI annual returns table
| Year | SCHI | Largest drop | AGG | TLT | SPY |
|---|---|---|---|---|---|
| 2026YTD | −1.8% | −5.0% | −1.0% | −3.4% | +12.3% |
| 2025 | +9.5% | −3.0% | +7.2% | +4.3% | +17.7% |
| 2024 | +3.3% | −3.5% | +1.3% | −8.1% | +24.9% |
| 2023 | +9.0% | −6.9% | +5.7% | +2.8% | +26.2% |
| 2022 | −14.1% | −18.6% | −13.0% | −31.2% | −18.2% |
| 2021 | −1.9% | −4.2% | −1.8% | −4.6% | +28.7% |
| 2020 | +9.7% | −16.8% | +7.5% | +18.2% | +18.3% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
SCHI largest drawdowns
Now 3.4% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Aug 3, 2021 | −20.7% | Oct 20, 2022 | Jul 22, 2025 | 1.2 years | 4.0 years |
| Mar 4, 2020 | −16.8% | Mar 20, 2020 | Jun 8, 2020 | 16 days | 3 months |
Declines from a closing high (distributions reinvested) of 5% or more. Underwater = time from the peak until the old high was regained.
SCHI risk statistics
| Statistic | 3 years | 5 years | Since 2019 |
|---|---|---|---|
| Annualized return | +5.8% | +0.4% | +1.5% |
| Volatility (annualized) | 6.2% | 7.8% | 7.7% |
| Sharpe ratio | 0.23 | -0.38 | -0.12 |
| Sortino ratio | 0.36 | -0.51 | -0.16 |
| Best month | +5.9% | +5.9% | +5.9% |
| Worst month | −3.0% | −4.9% | −7.0% |
| Best 12 months | +15.2% | +15.2% | +15.2% |
| Worst 12 months | −2.4% | −17.5% | −17.5% |
| Positive months | 72% | 58% | 58% |
| Beta vs S&P 500 | 0.28 | 0.34 | — |
| Correlation with S&P 500 | 0.56 | 0.69 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
SCHI rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 73 | −17.5% | +3.9% | +15.2% | 71% |
| 3-year (a year) | 49 | −5.1% | −0.5% | +8.4% | 45% |
| 5-year (a year) | 25 | +0.4% | +0.9% | +2.2% | 100% |
Every holding period starting at a month-end since 2019. Returns for 3 years and longer are annualized.
SCHI performance overview
Schwab 5-10 Year Corporate Bond ETF (SCHI) returned −1.7% over the past year and +0.9% a year over five years, with distributions reinvested. Since its first recorded price in 2019 it has returned +1.8% a year, turning $10,000 into about $11,311. Over the same year U.S. bonds (AGG) returned −1.1%.
The deepest decline was −20.7%, from Aug 3, 2021 to Oct 20, 2022, and it took 2.8 years to get back to the old high. SCHI finished 4 of its 6 full calendar years with a gain; the best year was 2020 (+9.7%) and the worst 2022 (−14.1%). Volatility has been 7.7% a year.
Related: SCHI chart, SCHI dividends, SCHI bond profile. See the SCHI overview for the latest quote and fund facts.
SCHI performance FAQ
What is the SCHI return over the past year?
SCHI returned −1.7% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it fell 6.5%.
What is the average annual return of SCHI?
SCHI has returned +0.9% a year over 5 years, +1.8% a year since October 10, 2019 (total return, distributions reinvested).
How much would $10,000 invested in SCHI be worth?
$10,000 invested in SCHI at its first recorded close on October 10, 2019 would be worth about $11,311 on October 23, 2026 with distributions reinvested.
What was the worst year for SCHI?
The worst calendar year was 2022, with a total return of −14.1%. The best was 2020 at +9.7%.
What is the biggest drawdown of SCHI?
The largest peak-to-trough decline was −20.7% between August 3, 2021 and October 20, 2022. It recovered to the old high on July 22, 2025, 2.8 years after the bottom.
How volatile is SCHI?
Over the past 3 years SCHI had an annualized volatility of 6.2% and a Sharpe ratio of 0.23 (excess return over 1–3 month T-bills per unit of risk).