What if you'd held SCHO?
A $1,000 investment in Schwab Short-Term U.S. Treasury ETF (SCHO) at the month-end close of 2010-08 would be worth $1,237 at the close of 2026-08 — +23.7% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $7,346.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 2010
| Year | Value of $1,000 | Year return |
|---|---|---|
| 2010 | $1,000 | — |
| 2011 | $1,014 | +1.4% |
| 2012 | $1,016 | +0.2% |
| 2013 | $1,021 | +0.4% |
| 2014 | $1,026 | +0.5% |
| 2015 | $1,030 | +0.4% |
| 2016 | $1,036 | +0.6% |
| 2017 | $1,040 | +0.3% |
| 2018 | $1,056 | +1.5% |
| 2019 | $1,093 | +3.5% |
| 2020 | $1,127 | +3.1% |
| 2021 | $1,120 | -0.6% |
| 2022 | $1,076 | -3.9% |
| 2023 | $1,123 | +4.3% |
| 2024 | $1,164 | +3.7% |
| 2025 | $1,227 | +5.5% |
| 2026 | $1,238 | +0.8% |
Best and worst month-end to buy
The best single month-end close to have bought SCHO was 2011-03 ($19.46): $1,000 then is $1,239 today. The worst was 2026-07 ($24.11): $1,000 then is $1,000.
FAQ
What would $1,000 in SCHO be worth today?
A $1,000 investment in Schwab Short-Term U.S. Treasury ETF (SCHO) at the start of 2010 would be worth about $1,237 today, a total return of +23.7%. Dividends are reinvested in these figures.
What were the best and worst years for SCHO?
Schwab Short-Term U.S. Treasury ETF (SCHO)'s strongest calendar year since 2010 was 2025, a +5.5% return — $1,000 held through that year became about $1,055 by year-end. Its weakest year was 2022, at -3.9%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in SCHO have grown?
Investing $100 at the end of every month since 2010-08 would have grown to about $22,266 on $19,300 invested.
Did SCHO beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $7,346. SCHO trailed the S&P 500 by +83.2% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Schwab Short-Term U.S. Treasury ETF (SCHO) historical total-return data from 2010-08 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.