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

In the year to Oct 9, 2026, with distributions reinvested, SCHZ returned −1.5% and SPAB −1.6%.

Which is cheaper, SCHZ or SPAB?

Neither: SCHZ and SPAB both charge 0.03% a year. Fees come from each fund's prospectus.

Compare their flows Ask IQ about these two funds

SCHZ vs SPAB: Differences, Returns & Fees

On Jun 30, 2026 SCHZ's duration was 5.8 years and SPAB's 5.9; both charge 0.03%. Net assets: $10.6bn on Jun 30, 2026 for Schwab U.S. Aggregate Bond ETF, and $9.9bn on Oct 8, 2026 for State Street SPDR Portfolio Aggregate Bond ETF.

Both cost 0.03% a year; their one-year returns differ by 0.1 points; SCHZ is 1.1 times larger.

Points (pts) are percentage points.

	SCHZ	SPAB
Expense ratio	0.03%	0.03%
Net assets, as of Jun 30, 2026	$10.6bn	$9.6bn
Total return, 1 year	−1.5%	−1.6%
What it tracks	Bloomberg US Aggregate Bond Index	Bloomberg U.S. Aggregate Bond Index ?
Holdings in common	61%
Below its high	5.0%, high on Aug 4, 2020	4.9%, high on Aug 4, 2020

Holdings in common uses holdings dated Jun 30, 2026.

−1.5%

SCHZ total return, 1 year

−1.6%

SPAB total return, 1 year

0.03%

SCHZ expense ratio

0.03%

SPAB expense ratio

What they hold in common

By the books each fund has filed, SCHZ and SPAB hold 61% 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

61% in common

Positions both hold, largest shared weight first

Holding SCHZ SPAB

U.S. Treasury Notes, due Aug 15, 2035 0.39% 0.40%

U.S. Treasury Notes, due Nov 15, 2034 0.37% 0.40%

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

U.S. Treasury Notes, due Feb 15, 2035 0.39% 0.37%

U.S. Treasury Notes, due Aug 15, 2034 0.36% 0.37%

U.S. Treasury Notes, due Feb 15, 2036 0.39% 0.36%

U.S. Treasury Notes, due Nov 15, 2033 0.36% 0.37%

U.S. Treasury Notes, due Jan 31, 2028 0.35% 0.42%

U.S. Treasury Notes, due Feb 15, 2034 0.36% 0.34%

U.S. Treasury Notes, due May 15, 2035 0.37% 0.34%

U.S. Treasury Notes, due Nov 15, 2035 0.36% 0.33%

U.S. Treasury Notes, due Aug 15, 2033 0.33% 0.32%

Only in SCHZ

U.S. Treasury Notes, due Nov 15, 2031 0.30%

U.S. Treasury Notes, due May 15, 2032 0.29%

U.S. Treasury Notes, due May 15, 2030 0.21%

U.S. Treasury Notes, due Jun 30, 2027 0.21%

U.S. Treasury Notes, due Jun 15, 2027 0.15%

U.S. Treasury Notes, due Nov 30, 2027 0.14%

U.S. Treasury Notes, due Jun 30, 2027 0.14%

U.S. Treasury Notes, due Apr 30, 2029 0.13%

Only in SPAB

Ginnie Mae, due Jul 20, 2056 0.28%

Freddie Mac Pool, due Feb 1, 2056 0.20%

Freddie Mac Pool, due Aug 1, 2055 0.20%

Ginnie Mae, due Jul 20, 2056 0.16%

Freddie Mac Pool, due Jul 1, 2053 0.15%

Freddie Mac Pool, due Aug 1, 2050 0.14%

Freddie Mac Pool, due Aug 1, 2054 0.13%

Freddie Mac Pool, due Feb 1, 2052 0.13%

Check overlap with more funds →

On the same fields

SCHZ

Schwab U.S. Aggregate Bond ETF

SPAB

State Street SPDR Portfolio Aggregate Bond ETF

Where it sits Bond ETF Bond ETF

Issuer Schwab State Street

What it is Tracks an index Tracks an index

Total return, 1 year −1.5% −1.6%

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

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

Expense ratio 0.03% 0.03%

Holdings 12326 8690

Net assets, SCHZ as of Jun 30, 2026 and SPAB as of Oct 8, 2026 $10.6bn $9.9bn

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

SCHZ in plain words

SCHZ tracks an index. 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. The prospectus expense ratio is 0.03% a year. It sat 5.0% below its high of Aug 4, 2020 on Oct 9, 2026.

SPAB in plain words

SPAB tracks an index. Over the year to Oct 9, 2026 it returned −1.6% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg U.S. Aggregate Bond Index ?. It sat 4.9% below its high of Aug 4, 2020 on Oct 9, 2026.

Questions people ask

Which returned more over the last year, SCHZ or SPAB?: In the year to Oct 9, 2026, with distributions reinvested, SCHZ returned −1.5% and SPAB −1.6%.
Which is cheaper, SCHZ or SPAB?: Neither: SCHZ and SPAB both charge 0.03% a year. Fees come from each fund's prospectus.

Other comparisons

AGG vs SCHZ BND vs SCHZ DFCF vs SCHZ SCHZ vs VCRB DFCF vs SPAB SPAB vs VCRB CGCB vs SPAB EAGG vs SPAB

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

Where these figures came from

SCHZ filings on SEC EDGAR ↗SCHZ prospectus with the expense ratio (SEC) ↗Schwab website ↗SPAB filings on SEC EDGAR ↗SPAB prospectus with the expense ratio (SEC) ↗State Street 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, SCHZ against SPAB, data as of Oct 9, 2026. https://etfiq.com/compare/any/schz-vs-spab

Open data

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