Which returned more over the last year, FLCB or SCHZ?

In the year to Oct 9, 2026, with distributions reinvested, FLCB returned −1.7% and SCHZ −1.5%.

Which is cheaper, FLCB or SCHZ?

SCHZ is cheaper, by 0.12 percentage points a year. That is about $12 on $10,000 held for a year. Fees come from each fund's prospectus.

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FLCB vs SCHZ: Differences, Returns & Fees

On Jun 30, 2026 FLCB's duration was 5.8 years and SCHZ's 5.8; SCHZ charges 0.03% to FLCB's 0.15%. Net assets: $3.1bn on Oct 9, 2026 for Franklin U.S. Core Bond ETF, and $10.6bn on Jun 30, 2026 for Schwab U.S. Aggregate Bond ETF.

SCHZ costs 0.12 points a year less; their one-year returns differ by 0.2 points; SCHZ is 3.5 times larger.

	FLCB	SCHZ
Expense ratio	0.15%	0.03%
Net assets, as of Jun 30, 2026	$3.1bn	$10.6bn
Total return, 1 year	−1.7%	−1.5%
What it tracks	No index, actively managed	Bloomberg US Aggregate Bond Index
Holdings in common	8%
Below its high	5.0%, high on Aug 4, 2020

Holdings in common uses holdings dated Jun 30, 2026.

−1.7%

FLCB total return, 1 year

−1.5%

SCHZ total return, 1 year

0.15%

FLCB expense ratio

0.03%

SCHZ expense ratio

What they hold in common

By the books each fund has filed, FLCB and SCHZ hold 8% of their money in the same securities at the same weight. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026.

50%

half

8% in common

Positions both hold, largest shared weight first

Holding FLCB SCHZ

T 4.25 08/15/35, due Aug 15, 2035 0.56% 0.39%

T 3.875 05/15/29, due May 15, 2029 1.19% 0.28%

T 4.75 08/15/55, due Aug 15, 2055 1.15% 0.21%

T 4.375 05/15/36, due May 15, 2036 0.28% 0.20%

T 4.25 02/15/54, due Feb 15, 2054 0.36% 0.19%

T 1.25 05/31/28, due May 31, 2028 0.93% 0.18%

T 4.125 08/15/53, due Aug 15, 2053 0.45% 0.17%

T 1.375 12/31/28, due Dec 31, 2028 2.04% 0.16%

T 0.375 09/30/27, due Sep 30, 2027 0.83% 0.15%

T 3.625 02/15/53, due Feb 15, 2053 0.47% 0.14%

T 4.125 04/30/33, due Apr 30, 2033 3.04% 0.14%

T 3.625 05/15/53, due May 15, 2053 0.26% 0.14%

Only in FLCB

FNMA-30YR, due Aug 15, 2056 2.73%

FNMA-30YR, due Aug 15, 2056 2.13%

FNMA-30YR, due Aug 15, 2056 2.04%

FNMA-30YR, due Aug 15, 2056 1.64%

FNMA-30YR, due Aug 15, 2056 1.34%

FNMA-30YR, due Aug 15, 2056 1.32%

FNMA-30YR, due Aug 15, 2056 1.07%

Only in SCHZ

U.S. Treasury Notes, due Feb 15, 2036 0.39%

U.S. Treasury Notes, due Feb 15, 2035 0.39%

U.S. Treasury Notes, due Nov 15, 2034 0.37%

U.S. Treasury Notes, due May 15, 2035 0.37%

U.S. Treasury Notes, due May 15, 2034 0.37%

U.S. Treasury Notes, due Aug 15, 2034 0.36%

U.S. Treasury Notes, due Nov 15, 2035 0.36%

U.S. Treasury Notes, due Feb 15, 2034 0.36%

Check overlap with more funds →

On the same fields

FLCB

Franklin U.S. Core Bond ETF

SCHZ

Schwab U.S. Aggregate Bond ETF

Where it sits Bond ETF Bond ETF

Issuer Franklin Schwab

What it is Actively managed Tracks an index

Total return, 1 year −1.7% −1.5%

S&P 500 over the same days +17.3% +17.3%

Gap to the S&P 500 −18.9 pts −18.8 pts

Expense ratio 0.15% 0.03%

Holdings 588 12326

Net assets, FLCB as of Oct 9, 2026 and SCHZ as of Jun 30, 2026 $3.1bn $10.6bn

FLCB and SCHZ on the fields both publish, as of Oct 9, 2026. Source: ETFIQ.

FLCB in plain words

FLCB is actively managed and tracks no index. The prospectus expense ratio is 0.15% a year. It sat 5.0% below its high of Aug 4, 2020 on Oct 9, 2026.

Over the year to Oct 9, 2026 it returned −1.7% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg U.S. Aggregate Index.

SCHZ in plain words

SCHZ tracks an index. The prospectus expense ratio is 0.03% a year.

Over the year to Oct 9, 2026 it returned −1.5% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg US Aggregate Bond Index.

Questions people ask

Which returned more over the last year, FLCB or SCHZ?: In the year to Oct 9, 2026, with distributions reinvested, FLCB returned −1.7% and SCHZ −1.5%.
Which is cheaper, FLCB or SCHZ?: SCHZ is cheaper, by 0.12 percentage points a year. That is about $12 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

AGG vs FLCB DFCF vs FLCB FLCB vs SPAB FLCB vs JBND SCCR vs SCHZ SCHZ vs UNIY AGG vs SCHZ SCHZ vs TAGG

FLCB on its own →SCHZ on its own →Hold both: look the portfolio through →Rankings →Standards and sources →

Where these figures came from

FLCB filings on SEC EDGAR ↗FLCB prospectus with the expense ratio (SEC) ↗Franklin website ↗SCHZ filings on SEC EDGAR ↗SCHZ prospectus with the expense ratio (SEC) ↗Schwab website ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, FLCB against SCHZ, data as of Oct 9, 2026. https://etfiq.com/compare/any/flcb-vs-schz

Open data

Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms.