SCHR vs USIN

SCHRASchwab Intermediate-Term U.S. Treasury ETF

USINCWisdomTree 7-10 Year Laddered Treasury Fund

In short

SCHR The belly of the Treasury curve for three basis points. Since 2010, SCHR has tracked the Bloomberg US Treasury 3-10 Year Index: government paper only, no corporate credit, income paid monthly.

USIN Most intermediate Treasury funds hold one cap-weighted lump of the curve. USIN tracks a laddered 7-10 year Treasury index instead, structuring exposure across maturity rungs, and pays monthly.

Stated mandate

SCHR The fund seeks to track, before fees and expenses, the total return of an index measuring the intermediate-term U.S. Treasury bond market.

USIN The Fund seeks to track the price and yield performance of the Bloomberg US Treasury 7-10 Year Laddered Index before fees and expenses.

Why people hold it

• SCHR Charges 0.03% a year, a fraction of the 0.15% median for intermediate Treasury funds. In a corner of the market where yields do the heavy lifting, fee drag matters.
• Does exactly what the label says: about 100 US Treasury notes, tracking the Bloomberg US Treasury 3-10 Year Index with very tight fidelity. No credit sleeve, no derivatives detour.schwabassetmanagement.com
• Pays monthly, and it is an actively traded, multi-billion-dollar fund, which puts it among the more established options in the 3-10 year Treasury aisle.
• One of the strongest implementations in its peer group, matching SPTI at the bottom of the fee table and undercutting BBIB and the BondBloxx target-duration funds.

• USIN Does the job on the label: closely tracks the Bloomberg US Treasury 7-10 Year Laddered Index, US government paper only, no corporate credit or foreign bonds.
• The ladder is the point. Rather than a single cap-weighted slice of 7-10 year notes, the index spreads exposure across maturity rungs.
• Distributions come monthly, not quarterly.

Worth knowing

• SCHR Intermediate maturities carry real rate sensitivity. When yields rise, prices on 3-10 year Treasuries fall, and this fund holds the full move.
• Treasuries only. You get no credit spread from corporate or mortgage bonds, which is the point for some investors and a limit for others.schwabassetmanagement.com
• SPTI runs the same 0.03% fee on the same slice of the curve, so the choice often comes down to brokerage plumbing rather than the funds themselves.

• USIN The 0.15% fee sits at the category midpoint, but the cheapest intermediate Treasury trackers (SPTI, SCHR) charge 0.03% for plainer exposure.
• A small fund that trades thinly. Spreads can be wider than at the category's giants, so limit orders do more work here.
• Launched in 2024, so there is no long record across a full rate cycle to lean on.

Full SCHR profile⁠

Full USIN profile⁠