SCHO 주가 전망 및 ETF 분석 - 배당·운용보수·보유종목·NAV·RSI·MACD

SCHO

Schwab Short-Term U.S. Treasury ETF

7월 28일 1:05 PM ET (한국 7/29 02:05)

$24.06

+0.00 +0.00%

SCHO ETF 從管理費、持股類別、產業配置、股息、RSI、MACD 等 10 項指標進行分析。

總費用率

0.03%

年度運作費用

淨資產 (AUM)

$12.8B

약 17조원

持有標的

100個

股息殖利率

3.91%

運作方式

Passive

Category ⓘ	Bonds - Treasury & Government	Asset Type ⓘ	Bonds	Return% 1Y ⓘ	2.92%	Total Holdings ⓘ	100	Perf Week ⓘ	-0.12%
ETF Type ⓘ	US Bonds	Active/Passive ⓘ	Passive	Return% 3Y ⓘ	4.2%	AUM ⓘ	$12.8B	Perf Month ⓘ	-0.29%
Expense ⓘ	0.03%	NAV ⓘ	$24.05	Return% 5Y ⓘ	1.86%	52W High ⓘ	-1.64%	Perf Quarter ⓘ	-0.87%
Dividend TTM ⓘ	$0.94 (3.91%)	Div Gr. 3/5Y ⓘ	45.16% 24.83%	Return% 10Y ⓘ	1.72%	52W Low ⓘ	0.12%	Perf Half Y ⓘ	-1.27%
Flows% 1M ⓘ	1.45%	Flows% YTD ⓘ	4.66%	Return% SI ⓘ	1.34%	Volatility(W/M) ⓘ	0.08% 0.08%	Perf YTD ⓘ	-1.27%
SMA20 ⓘ	-0.08%	SMA50 ⓘ	-0.19%	SMA200 ⓘ	-0.89%	RSI (14) ⓘ	44.43	Beta ⓘ	0.05
IPO ⓘ	2010/8/5	Prev Close ⓘ	$24.06	Perf Year ⓘ	-0.95%	Avg Volume ⓘ	3.49M	Price ⓘ	$24.06

📊 Schwab Short-Term U.S. Treasury ETF (SCHO) 投資分析

ETF 概覽

Schwab Short-Term U.S. Treasury ETF · Bonds - Treasury & Government

채권형 — 채권 ETF (만기 미상)

2010년 상장, 16년 운영 중.

Schwab Short-Term U.S. Treasury ETF는 장기적인 자본 증식을 목표로 합니다. 만기가 짧은 미국 국채에 주로 투자하는 ETF와 뮤추얼 펀드들로 포트폴리오를 구성하여 원금 안정성과 유동성을 고려하며 성과를 추구하는 액티브 운용 방식의 재간접 펀드입니다.

📘 SCHO ETF 자세히 알아보기 →

U.S.fixed-incomeETFstreasuries

규모: $12.8B 약 17조원
운용사: Schwab
운용 방식: 패시브 (지수 추종)
상장일: 2010년

成本效益

年化管理費 · 同類別排名 · 長期成本影響

業界最低水準 — 年 0.03%

在Bonds - Treasury & Government類別中屬상위 5%。投資 1 億韓元,年費約 30,000韓元。

實質年化管理費 (Net Expense Ratio)

상위 5%

0.03%

我的位置前 5%

後段平均前段

依投資金額模擬實際費用

$100.0M

年度經理費

$30K

相較類別平均,每年節省 $120K

類別中位數年度費用

$150K

依費率 0.15% 計算

10年累計經理費 (假設市場每年上漲 7% 的長期模擬)

$551K

若無手續費可獲得的收益中，有 0.6% 被資產管理公司抽走

💡 管理費每年都會侵蝕一部分資產，經 10 年複利累積後，實際損失遠大於單純相加（年費用 × 10）。假設年化 7% 報酬是依據 S&P 500 的長期平均。

Defaults shown against $100K baseline portfolio. 拖動滑桿調整金額，結果即時更新。

長期績效

1年 · 3年 · 5年 · 10年報酬率 · 相對基準表現 · 下跌行情防禦力

收益接近平均水準

接近Bonds - Treasury & Government中位數。一年期相對基準(SPY)超額報酬為 -14.9%p。

ℹ️ 下方「1年·3年·5年·10年」為自今日回溯對應期間的年化複合成長率（CAGR）。例如：「3年 +12%」代表過去3年每年以12%複利成長。

若在 10 年前投資，現在價值為

$100.0M

目前資產

$118.6M

→

累計報酬

+$18.6M

年化平均 +1.7%

ℹ️ 報酬構成長條圖讀法

各期間資料列所顯示的長條代表此 ETF 收益來源的比例。

價格上漲價格下跌領取股利

以藍色為主 (80%+)：成長型 — 價格上漲為主要收益來源
以橘色為主 (70%+)：收益型 — 股利為主要收益來源（須留意稅後課稅負擔）
紅色 + 橘色：價格持平或下跌型 — 以股利彌補虧損的結構（常見於掩護性買權與高股息個股）

1年

2025.07 ~ 2026.07

年化平均 +2.92%

평균권

價格 -0.95% + 股利 +3.87% = 總計 +2.92%/年

年化落後基準指數 14.9%p

我的位置中間

後段平均前段

3年

2023.07 ~ 2026.07

年化平均 +4.20% 累計 +13.1%

평균권

價格 +0.08% + 股利 +4.12% = 總計 +4.20%/年

年化落後基準指數 14.8%p

我的位置中間

後段平均前段

5年

2021.07 ~ 2026.07

年化平均 +1.86% 累計 +9.7%

평균권

價格 -1.26% + 股利 +3.12% = 總計 +1.86%/年

年化落後基準指數 11.0%p

我的位置中間

後段平均前段

10年

2016.07 ~ 2026.07

年化平均 +1.72% 累計 +18.6%

평균권

價格 -0.55% + 股利 +2.27% = 總計 +1.72%/年

年化落後基準指數 13.2%p

我的位置中間

後段平均前段

10年累計總報酬曲線

自 2016-07-28 起以1億韓元為基準 — 曲線數值可直接以億韓元為單位解讀（例如：308 → 3.08億）。本 ETF 與基準皆以同一起始日的100為基準進行比較。

SCHO · 僅股價 SCHO · 股價 + 累計配息 SCHO · 配息再投資 S&P 500 (SPY)

150

250

350

450

ℹ️ 僅股價：不計配息，僅追蹤純粹股價。對 Covered Call、高股息 ETF 而言，這條線常呈下跌或停滯，從「本金保全」角度觀察格外有意義。股價＋累計配息：持股張數不變，把領到的配息以現金保留。接近實際帳戶的總資產感受。配息再投資：以領到的配息立即加碼買進（依 adjClose 計算，業界標準的總報酬）。三條線差距越大，越容易看出配息策略的效果。

年度報酬率比較

曆年各年度 ETF vs S&P 500 (SPY) 的年度報酬率

SCHO S&P 500 (SPY)

+40%

−40%

+0%

2017

+2%

2018

+3%

2019

+3%

2020

-1%

2021

-4%

2022

+4%

2023

+4%

2024

+5%

2025

+0%

2026 YTD

💡 股票基準指數(SPY)資產類別不同，直接比較僅供參考。

ℹ️ 每年 1 月 1 日至 12 月 31 日的報酬率。當年度 (2026) 欄位以較低透明度標示為 YTD（未完成）。藍色高於灰色，代表該年度該 ETF 勝出基準。

對 S&P 500 (SPY) 的勝率

2 / 9年

表現不及基準 (22%)

+ 2026 YTD：落後 (0.3% vs 8.5%)

2017 ✗

2018 ✓

2019 ✗

2020 ✗

2021 ✗

2022 ✓

2023 ✗

2024 ✗

2025 ✗

2026 ✗ YTD

💡 與 SPY 資產類別不同的標的，勝率僅供參考。

ℹ️ 在完整的曆年（1/1～12/31）中，相對於 S&P 500 (SPY) 勝出的年數。目前年度（YTD）另計。

下跌捕捉比 (Downside Capture)

🛡️ -1%

空頭市場跌幅小於基準——防禦力優異

<85% (防禦) 85~110% (同步) >110% (脆弱)

💡 債券與股票下跌常呈負相關，本指標的解讀因此較為有限。

ℹ️ 當 S&P 500 (SPY) 下跌 1% 時，此 ETF 平均下跌多少 %。以過去 3 年的每日報酬計算（僅納入基準為負的日子）。

風險屬性

波動度 · Beta · 最大回撤 · Sharpe · 下跌後回升紀錄

綜合風險等級

以債券為基準

債券 ETF 本來就比股票波動小，比較時應以同類債券 ETF 為基準，並留意利率與價格呈反向變動的特性。

🏦 債券 ETF — 低波動·低 Beta 為常態

相較於股票，債券波動明顯較低；對照股票基準指數時，Beta 也偏低。「穩健」其實是理所當然的結果，若要進行有意義的比較，應以債券指數（如 AGG／TLT 等）為基準。

Beta (市場敏感度)

평균권

0.05

市場上漲 10% 時 +0.5%

市場下跌 10% 時 -0.5%

我的位置中間

後段平均前段

ℹ️ Beta 1.0 表示與市場波動相同；大於 1 代表波動大於市場，小於 1 則波動小於市場。

日均波動幅度 (近 1 個月)

평균권

±0.08%

S&P 500 一般 ±1.0~1.3% · 債券型 ±0.3% · 槓桿型 ETF ±3% 以上

年化波動率走勢（過去 10 年）

ℹ️ 本 ETF 的每日平均價格波動幅度。若為 1%，代表「平均每日波動約 ±1%」。下方滾動曲線為年化波動率（長期標準指標）的時間走勢。

最大回撤（Max Drawdown）· 過去 10 年

-5.7%

回撤持續期間: 15 個月

2021-08-03 → 2022-10-20

約 1.6 年後回檔

2015-07-31 最差 -5% 2026-07-01

ℹ️ 最大回撤是指從過去高點到低點的最大跌幅比率，是長期投資人在心理上必須承受的最極端下跌經驗值。

夏普比率（風險調整後報酬）

-0.90

落後 — 連無風險報酬都未能達到

ℹ️ 將年化報酬率減去無風險利率（年化 3%）後，再除以年化波動度。一般認為 1.0 以上代表「風險調整後報酬表現良好」。

月度最大預估損失（VaR 95%）

-0.6%

根據歷史資料，月度跌幅超過此數值的情況僅佔5%。

ℹ️ 「未來有 95% 機率在一個月內的損失不會超過此水準」的統計估計；其餘 5% 對應金融危機或疫情等級的衝擊情境。

股息分析

殖利率 · 配息紀錄 · 稅後實領金額試算

債券配息 — 年化 3.91%

主要來源為票息利息。5 年配息成長率 +24.8%。

ℹ️ 債券 ETF 的配息主要來自利息收入（票息）。當利率上升時配息會增加，但同時價格會下跌，須一併觀察兩者的關係。

배당수익률

3.91%

주당 배당

$0.94

연간 기준

5년 성장률

24.8%

지급 주기

불규칙

2월 · 3월 · 4월 · 8월 · 9월 · 10월 · 11월 · 12월

📊 총 이력 2010~2026 (185건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$0.17 +0.3%

2016

$0.28 +63.2%

2017

$0.44 +59.0%

2018

$0.57 +29.0%

2019

$0.33 -42.5%

2020

$0.11 -67.8%

2021

$0.32 +204.7%

2022

$0.91 +182.2%

2023

$1.03 +13.2%

2024

$0.99 -4.2%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 185건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2026-04-01

$0.075

—

4.33%

2026-03-02

$0.071

—

4.31%

2026-02-02

$0.087

—

4.42%

2025-12-19

$0.077

—

4.39%

2025-12-01

$0.072

—

4.40%

2025-11-03

$0.086

—

4.11%

2025-10-01

$0.076

—

4.45%

2025-09-02

$0.080

—

4.53%

2025-08-01

$0.090

—

4.56%

2025-07-01

$0.079

—

4.53%

2025-06-02

$0.087

—

4.60%

2025-05-01

$0.083

—

4.56%

2025-04-01

$0.084

—

4.57%

2025-03-03

$0.078

—

4.23%

2025-02-03

$0.096

—

4.30%

2024-12-20

$0.080

—

4.28%

2024-12-02

$0.081

—

4.26%

2024-11-01

$0.092

—

4.30%

2024-10-01

$0.079

—

4.55%

2024-09-03

$0.093

—

4.25%

2024-08-01

$0.088

—

4.19%

2024-07-01

$0.080

—

4.56%

2024-06-03

$0.092

—

4.23%

2024-05-01

$0.084

—

4.16%

2024-04-01

$0.083

—

4.39%

2024-03-01

$0.091

—

4.03%

2024-02-01

$0.088

—

4.12%

2023-12-15

$0.079

—

4.02%

2023-12-01

$0.090

—

3.88%

2023-11-01

$0.083

—

3.69%

2023-10-02

$0.082

—

3.52%

2023-09-01

$0.076

—

3.31%

2023-08-01

$0.086

—

3.11%

2023-07-03

$0.079

—

2.75%

2023-06-01

$0.072

—

2.57%

2023-05-01

$0.067

—

2.31%

2023-04-03

$0.078

—

2.03%

2023-03-01

$0.067

—

1.82%

2023-02-01

$0.054

—

1.55%

2022-12-16

$0.059

—

1.36%

2022-12-01

$0.043

—

1.15%

2022-11-01

$0.039

—

1.01%

2022-10-03

$0.038

—

0.84%

2022-09-01

$0.035

—

0.73%

2022-08-01

$0.027

—

0.61%

2022-07-01

$0.025

—

0.54%

2022-06-01

$0.017

—

0.47%

2022-05-02

$0.013

—

0.44%

2022-04-01

$0.012

—

0.44%

2022-03-01

$0.007

—

0.43%

2022-02-01

$0.009

—

0.45%

2021-12-17

$0.006

—

0.47%

2021-12-01

$0.006

—

0.51%

2021-11-01

$0.006

—

0.56%

2021-10-01

$0.006

—

0.62%

2021-09-01

$0.007

—

0.68%

2021-08-02

$0.009

—

0.76%

2021-07-01

$0.008

—

0.83%

2021-06-01

$0.009

—

0.92%

2021-05-03

$0.010

—

0.89%

2021-04-01

$0.011

—

1.11%

2021-03-01

$0.011

—

1.21%

2021-02-01

$0.015

—

1.34%

2020-12-17

$0.015

—

1.44%

2020-12-01

$0.017

—

1.55%

2020-11-02

$0.020

—

1.49%

2020-10-01

$0.021

—

1.59%

2020-09-01

$0.022

—

1.88%

2020-08-03

$0.028

—

1.79%

2020-07-01

$0.026

—

1.87%

2020-06-01

$0.030

—

2.15%

2020-05-01

$0.033

—

2.03%

2020-04-01

$0.035

—

2.10%

2020-03-02

$0.037

—

2.19%

2020-02-03

$0.045

—

2.24%

2019-12-19

$0.040

—

2.45%

2019-12-02

$0.044

—

2.45%

2019-11-01

$0.045

—

2.44%

2019-10-01

$0.047

—

2.41%

2019-09-03

$0.050

—

2.39%

2019-08-01

$0.049

—

2.35%

2019-07-01

$0.046

—

2.31%

2019-06-03

$0.054

—

2.13%

2019-05-01

$0.050

—

2.20%

2019-04-01

$0.051

—

2.13%

2019-03-01

$0.045

—

2.05%

2019-02-01

$0.051

—

1.98%

2018-12-19

$0.044

—

1.90%

2018-12-03

$0.042

—

1.72%

2018-11-01

$0.043

—

1.76%

2018-10-01

$0.037

—

1.68%

2018-09-04

$0.043

—

1.53%

2018-08-01

$0.037

—

1.55%

2018-07-02

$0.038

—

1.49%

2018-06-01

$0.035

—

1.43%

2018-05-01

$0.032

—

1.37%

2018-04-02

$0.034

—

1.33%

2018-03-01

$0.028

—

1.26%

2018-02-01

$0.029

—

1.24%

2017-12-27

$0.028

—

1.18%

2017-12-01

$0.027

—

1.13%

2017-11-01

$0.024

—

1.09%

2017-10-02

$0.025

—

1.06%

2017-09-01

$0.025

—

1.03%

2017-08-01

$0.022

—

1.00%

2017-07-03

$0.024

—

0.92%

2017-06-01

$0.024

—

0.95%

2017-05-01

$0.021

—

0.94%

2017-04-03

$0.022

—

0.85%

2017-03-01

$0.018

—

0.77%

2017-02-01

$0.021

—

0.70%

2016-12-28

$0.016

—

0.74%

2016-12-01

$0.017

—

0.68%

2016-11-01

$0.016

—

0.73%

2016-10-03

$0.018

—

0.66%

2016-09-01

$0.017

—

0.64%

2016-08-01

$0.017

—

0.69%

2016-07-01

$0.018

—

0.62%

2016-06-01

$0.017

—

0.61%

2016-05-02

$0.019

—

0.60%

2016-02-01

$0.017

—

0.74%

2015-12-29

$0.015

—

0.73%

2015-12-01

$0.015

—

0.71%

2015-11-02

$0.016

—

0.70%

2015-10-01

$0.013

—

0.67%

2015-09-01

$0.013

—

0.66%

2015-08-03

$0.017

—

0.61%

2015-07-01

$0.013

—

0.62%

2015-06-01

$0.015

—

0.61%

2015-05-01

$0.014

—

0.59%

2015-04-01

$0.013

—

0.56%

2015-03-02

$0.012

—

0.54%

2015-02-02

$0.015

—

0.52%

2014-12-29

$0.013

—

0.47%

2014-12-01

$0.013

—

0.48%

2014-11-03

$0.011

—

0.43%

2014-10-01

$0.011

—

0.44%

2014-09-02

$0.011

—

0.42%

2014-08-01

$0.010

—

0.41%

2014-07-01

$0.009

—

0.38%

2014-06-02

$0.009

—

0.37%

2014-05-01

$0.009

—

0.35%

2014-04-01

$0.009

—

0.34%

2014-03-03

$0.007

—

0.31%

2014-02-03

$0.008

—

0.30%

2013-12-27

$0.007

—

0.32%

2013-12-02

$0.007

—

0.31%

2013-11-01

$0.009

—

0.28%

2013-10-01

$0.005

—

0.27%

2013-09-03

$0.006

—

0.27%

2013-08-01

$0.006

—

0.27%

2013-07-01

$0.004

—

0.27%

2013-06-03

$0.005

—

0.25%

2013-05-01

$0.005

—

0.28%

2013-04-01

$0.006

—

0.29%

2013-03-01

$0.005

—

0.29%

2013-02-01

$0.006

—

0.27%

2012-12-27

$0.006

—

0.29%

2012-12-03

$0.006

—

0.27%

2012-10-01

$0.005

—

0.32%

2012-09-04

$0.005

—

0.30%

2012-08-01

$0.006

—

0.32%

2012-07-02

$0.005

—

0.34%

2012-06-01

$0.006

—

0.35%

2012-05-01

$0.007

—

0.41%

2012-04-02

$0.006

—

0.38%

2012-03-01

$0.006

—

0.39%

2012-02-01

$0.006

—

0.44%

2011-12-28

$0.006

—

0.44%

2011-12-01

$0.006

—

0.44%

2011-11-01

$0.007

—

0.45%

2011-10-03

$0.006

—

0.42%

2011-09-01

$0.010

—

0.43%

2011-08-01

$0.011

—

0.40%

2011-07-01

$0.009

—

0.35%

2011-06-01

$0.011

—

0.32%

2011-05-02

$0.009

—

0.27%

2011-04-01

$0.010

—

0.24%

2011-03-01

$0.007

—

0.20%

2011-02-01

$0.009

—

0.17%

2010-12-29

$0.009

—

0.13%

2010-12-01

$0.006

—

0.10%

2010-11-01

$0.007

—

0.07%

2010-10-01

$0.007

—

0.04%

2010-09-01

$0.004

—

0.01%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 $100K 투자한다면

연간 배당금 (세후) $3K

5년 누적 (세후) $27K

* 환율 1,370 가정, 배당소득세 15.4% 반영. 5년 누적은 배당 성장률 연 24.83% 가정.

* 배당소득세 14% + 지방소득세 1.4% 기준. 종합과세 대상자는 달라질 수 있습니다.

綜合投資吸引力

這檔 ETF 適合哪些用途 — 強項、弱點與投資人輪廓

優缺點並存 請查看下方的適合度，確認是否符合您的投資目標。

🎯 목적별 적합도

내가 이 ETF를 어떤 목적으로 활용할 수 있는지 확인하세요.

🌳

장기 보유

수년 이상 꾸준히 모아갈 때

보통

💵

배당 인컴

매월·분기 현금흐름이 목적일 때

적합

⚡

단기 트레이딩

며칠~몇 주 단기 방향성 매매

매우 낮음

🧩

포트폴리오 보조

자산 배분·헤지 용도

매우 적합

👤

이런 분에게 어울려요

希望提升投資組合穩定度的投資人

✅ 강점

💸管理費 Bonds - Treasury & Government 前 5% — 年 0.03%

⚠️ 약점·주의사항

🎯年化落後基準 -11.0%p

投資組合配置

這檔 ETF 實際持有的標的 — 產業權重與成分股

채권 포트폴리오

주식과 달리 "섹터 = 만기·신용등급"으로 해석해야 해요.

ℹ️ 왜 구성을 봐야 하나요?

ETF의 실제 성과는 담고 있는 종목과 섹터에서 나와요. 이름이 "S&P 500"이라도 기술주 비중이 유난히 높을 수 있고, "배당주 ETF"라도 몇몇 대형주에 쏠려 있을 수 있어요. 라벨보다 실제 구성을 확인하는 게 중요해요.

🔬 집중도 한눈에 보기

총 보유종목

97개

상위 10개 비중

14.6%

최대 단일 종목

2.22%

집중도(HHI)

111

낮음 (분산)

📋 상위 보유 종목 Top 10 Top 10이 전체의 14.6% 차지

티커 옆의 점 색상 = 섹터 구분 (섹터 차트와 동일 색상)

BNO United States Treasury

2.22%

BNO United States Treasury

1.38%

BNO United States Treasury

1.38%

BNO United States Treasury

1.38%

BNO United States Treasury

1.38%

BNO United States Treasury

1.37%

USLM United States Treasury

1.37%

BNO United States Treasury

1.37%

BNO United States Treasury

1.37%

#10

BNO United States Treasury

1.37%

同類別比較

類別：Bonds - Treasury & Government

같은 카테고리 6종 중 AUM 3/6위 · 보수율 1/6위

카테고리: Bonds - Treasury & Government

ℹ️ 왜 비교해야 하나요?

같은 카테고리 ETF끼리는 보수율·규모(AUM)·배당률을 비교해 볼 가치가 있어요. 보수율은 낮을수록 장기 수익에 유리하고, AUM이 크면 운용 안정성이 높아요. ▲ 표시는 SCHO보다 유리, ▼ 표시는 SCHO보다 불리를 뜻해요.

티커	ETF명	보수율	AUM	보유종목	배당률	YTD	1년
SCHO	Schwab Short-Term U.S. Treasury ETF	0.03%	$12.8B	100	3.91%	-1.27%	-0.95%
VGSH	Vanguard Short-Term Treasury ETF	0.03%	$29.9B ▲	92	3.85% ▼	-	-0.92% ▲
SHY	iShares 1-3 Year Treasury Bond ETF	0.15% ▼	$25.2B ▲	91	3.66% ▼	-	-0.84% ▲
SPTS	State Street SPDR Portfolio Short Term Treasury ETF	0.03%	$6.1B ▼	98	3.89% ▼	-	-0.92% ▲
TBLL	Invesco Short Term Treasury ETF	0.08% ▼	$2.6B ▼	91	3.69% ▼	-	+0.04% ▲
TUA	Simplify Short Term Treasury Futures Strategy ETF	0.15% ▼	$694M ▼	8	3.37% ▼	-	-6.77% ▼