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SCHZ vs UITB: Differences, Returns & Fees

On Jun 30, 2026 SCHZ's duration was 5.8 years and UITB's 5.6; SCHZ charges 0.03% to UITB's 0.38%. Net assets on Jun 30, 2026: $10.6bn for Schwab U.S. Aggregate Bond ETF and $2.7bn for VictoryShares Core Intermediate Bond ETF.

SCHZ costs 0.35 points a year less; their one-year returns differ by 0.1 points; SCHZ is 4.0 times larger.

SCHZUITB
Expense ratio0.03%0.38%
Net assets, as of Jun 30, 2026$10.6bn$2.7bn
Total return, 1 year−1.5%−1.6%
What it tracksBloomberg US Aggregate Bond IndexNo index, actively managed
Holdings in common13%
Below its high5.0%, high on Aug 4, 20204.2%, high on Feb 27, 2026

Holdings in common uses holdings dated Jun 30, 2026.

−1.5%
SCHZ total return, 1 year
−1.6%
UITB total return, 1 year
0.03%
SCHZ expense ratio
0.38%
UITB expense ratio

What they hold in common

By the books each fund has filed, SCHZ and UITB hold 13% 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.

half

13% in common

Positions both hold, largest shared weight first
Holding SCHZ UITB
U.S. Treasury Notes, due Feb 15, 2036 0.39% 0.53%
U.S. Treasury Notes, due Feb 15, 2035 0.39% 0.57%
U.S. Treasury Notes, due Aug 15, 2035 0.39% 0.57%
U.S. Treasury Notes, due May 15, 2035 0.37% 1.54%
U.S. Treasury Notes, due Aug 15, 2034 0.36% 2.03%
U.S. Treasury Notes, due Feb 15, 2034 0.36% 0.40%
U.S. Treasury Notes, due Nov 15, 2033 0.36% 1.86%
U.S. Treasury Notes, due Aug 15, 2033 0.33% 0.97%
U.S. Treasury Notes, due May 15, 2031 0.32% 0.56%
U.S. Treasury Notes, due May 15, 2033 0.31% 1.71%
U.S. Treasury Notes, due Nov 15, 2032 0.31% 1.94%
U.S. Treasury Notes, due Nov 15, 2031 0.30% 0.36%
Only in SCHZ
U.S. Treasury Notes, due Nov 15, 2034 0.37%
U.S. Treasury Notes, due May 15, 2034 0.37%
U.S. Treasury Notes, due Nov 15, 2035 0.36%
U.S. Treasury Notes, due Jan 31, 2028 0.35%
U.S. Treasury Notes, due Feb 28, 2030 0.32%
U.S. Treasury Notes, due Aug 15, 2031 0.30%
U.S. Treasury Notes, due Nov 15, 2030 0.30%
U.S. Treasury Notes, due Dec 31, 2027 0.30%
Only in UITB
FEDERAL NATIONAL MORTGAGE ASSOCIATION, due Jun 1, 2052 0.63%
CABOT CORP 0.26%
FEDERAL HOME LOAN MORTGAGE CORP, due Jun 25, 2036 0.22%
PSNH FUNDING LLC 3, due Feb 1, 2035 0.19%
GOVERNMENT NATIONAL MORTGAGE CORPORATION, due Apr 20, 2052 0.19%
CHASE ISSUANCE TRUST, due Jan 15, 2031 0.18%
FEDERAL HOME LOAN MORTGAGE CORPORATION, due Oct 1, 2029 0.17%
FEDERAL HOME LOAN MORTGAGE CORPORATION, due Nov 1, 2054 0.17%

Check overlap with more funds →

On the same fields

SCHZ
Schwab U.S. Aggregate Bond ETF
UITB
VictoryShares Core Intermediate Bond ETF
Where it sits Bond ETF Bond ETF
Issuer Schwab VictoryShares
What it is Tracks an index Actively managed
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 −18.9 pts
Expense ratio 0.03% 0.38%
Holdings 12326 1181
Net assets, as of Jun 30, 2026 $10.6bn $2.7bn

SCHZ and UITB 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.

UITB in plain words

UITB is actively managed and tracks no index. Over the year to Oct 9, 2026 it returned −1.6% with distributions reinvested. The prospectus expense ratio is 0.38% a year. It sat 4.2% below its high of Feb 27, 2026 on Oct 9, 2026.

Questions people ask

Which returned more over the last year, SCHZ or UITB?
In the year to Oct 9, 2026, with distributions reinvested, SCHZ returned −1.5% and UITB −1.6%.
Which is cheaper, SCHZ or UITB?
SCHZ is cheaper, by 0.35 percentage points a year. That is about $35 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
SCHZ vs TAGGCGCB vs SCHZSCHZ vs SPABBIV vs SCHZDFCF vs UITBSPAB vs UITBUITB vs VCRBCGCB vs UITB
SCHZ on its own →UITB 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 ↗UITB filings on SEC EDGAR ↗UITB prospectus with the expense ratio (SEC) ↗

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 UITB, data as of Oct 9, 2026. https://etfiq.com/compare/any/schz-vs-uitb

Open data

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