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SCHZ

Schwab U.S. Aggregate Bond ETF
TREND FOLLOWING PERFORMANCE HISTORY
2026-09-09
Executive Summary
The quantitative backtest for SCHZ (Schwab U.S. Aggregate Bond ETF) using the Excess Return MMA* strategy in a Investing context demonstrated its primary role in risk mitigation, experiencing a maximum drawdown of -8.4% (compared to the benchmark's drawdown of -18.7%). Over the evaluated period, this protective approach generated a Compound Annual Growth Rate (CAGR) of 2.5%, compared to a Buy-and-Hold benchmark return of 2.0%. The strategy executed 25 total trades.

* Excess Return MMA: Multi-Moving Average (Triple-Band) model utilizing sophisticated long/short cross durations optimized against volatility.

🛡️ SCHZ Drawdown Shield & Downside Protection

Why Drawdown Dictates Longevity →
Peak Drawdown Defense
-8.4% (vs -18.7% B&H)
+10.3% shallower drawdown
Downside Efficiency
0.79 Sortino
+0.31 vs 0.48 B&H
Capital Sheltered from Risk
37.4% of Time
Earning Treasury yield during downturns
* Drawdown Shield demonstrates how systematic trend-following bounded historical drawdowns and protected principal capital compared to passive Buy & Hold.

📊 SCHZ Quality Metrics & KPI Summary

Metric 1Y5Y10YFull
StrategyB&HStrategyB&HStrategyB&HStrategyB&H
Max Drawdown-2.00%-2.69%-4.46%-17.89%-8.40%-18.74%-8.40%-18.74%
Sharpe Ratio0.480.111.00-0.070.740.250.840.40
Sortino Ratio0.820.181.24-0.110.650.300.790.48
CAGR1.38%0.39%2.57%-0.41%2.36%1.34%2.54%2.00%
% Time Invested82.1%100.0%44.0%100.0%57.0%100.0%62.6%100.0%
Trades / Year0.00.01.80.01.90.01.90.0

Cumulative Growth Performance

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Hydrating Performance Trajectory... Loading historical performance data
Figure 1: Cumulative Trajectory Analysis. Logarithmic growth comparison of SCHZ under the Excess Return MMA strategy (Investing) versus Buy & Hold. The strategy produced a 2.5% CAGR with a -8.4% Max Drawdown across 25 trade signals (compared to Buy & Hold's 2.0% CAGR and -18.7% Max Drawdown).

Return Distribution Analysis

Histogram of monthly return distribution for SCHZ under Excess Return MMA strategy in Investing context, illustrating downside risk mitigation and return skewness.
Figure 2: Monthly Return Distribution Profile. Monthly return distribution for SCHZ under Excess Return MMA (Investing). Visualizes return frequency, volatility clustering, and tail-risk truncation relative to standard buy-and-hold returns.
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Top 5 non-correlated asset sleeves evaluated on 1Y daily percentage returns (Pearson r). Compare them side-by-side in Compare Studio to analyze portfolio diversification.

Diversifier Asset Category 1Y Correlation (r) Action
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Trade History

This log shows every signal-driven transition. Completed trades reflect standard market cycles. An Open or Mark-to-Market exit denotes an active position (either in the primary asset or a cash/yield sleeve) valued at the current price for reporting purposes. Interest entries record yield accrued from cash or cash alternatives (like BIL) during out-of-market defensive periods.

Entry DateExit DateTypeAllocationEntry PriceExit PriceNet Return %Exit Reason
🔒 Active Positions & Recent Execution Signals Hidden
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2025-09-08 2026-06-11 Completed 33.33% $22.54 $22.76 0.94% Signal
2026-03-11 2026-06-01 Interest (CASH) 33.33% $1.00 $1.01 0.81% Interest Income
2025-08-25 2026-03-11 Completed 33.33% $22.23 $22.88 2.90% Signal
2025-10-13 2025-11-05 Interest (CASH) 33.33% $1.00 $1.00 0.26% Interest Income
2024-08-05 2025-10-13 Completed 33.33% $21.73 $22.63 4.07% Signal
2025-03-17 2025-09-08 Interest (CASH) 33.33% $1.00 $1.02 2.05% Interest Income
2025-08-01 2025-08-25 Interest (CASH) 33.33% $1.00 $1.00 0.27% Interest Income
2025-04-29 2025-08-01 Completed 33.33% $21.78 $22.12 1.53% Signal
2024-12-20 2025-04-29 Interest (CASH) 33.33% $1.00 $1.01 1.46% Interest Income
2024-04-19 2025-03-17 Completed 33.33% $20.32 $21.70 6.76% Signal
2024-08-05 2024-12-20 Completed 33.33% $21.73 $21.23 -2.35% Signal
2024-05-08 2024-08-05 Interest (CASH) 33.33% $1.00 $1.01 1.27% Interest Income
2022-01-04 2024-08-05 Interest (CASH) 33.33% $1.00 $1.11 10.83% Interest Income
2024-01-23 2024-05-08 Completed 33.33% $20.67 $20.56 -0.60% Signal
2022-02-14 2024-04-19 Interest (CASH) 33.33% $1.00 $1.09 9.11% Interest Income
2023-05-18 2024-01-23 Interest (CASH) 33.33% $1.00 $1.04 3.68% Interest Income
2023-02-13 2023-05-18 Completed 33.33% $20.19 $20.33 0.69% Signal
2021-11-30 2023-02-13 Interest (CASH) 33.33% $1.00 $1.03 2.61% Interest Income
2021-10-14 2022-02-14 Completed 33.33% $22.84 $21.98 -3.81% Signal
2020-04-06 2022-01-04 Completed 33.33% $22.22 $22.64 1.84% Signal
2021-07-22 2021-11-30 Completed 33.33% $23.01 $22.95 -0.31% Signal
2021-03-24 2021-10-14 Interest (CASH) 33.33% $1.00 $1.00 0.02% Interest Income
2020-12-14 2021-07-22 Interest (CASH) 33.33% $1.00 $1.00 0.03% Interest Income
2020-04-06 2021-03-24 Completed 33.33% $22.22 $22.46 1.05% Signal
2020-04-06 2020-12-14 Completed 33.33% $22.22 $23.17 4.20% Signal
2020-03-13 2020-04-06 Interest (CASH) 33.33% $1.00 $1.00 0.01% Interest Income
2020-03-13 2020-04-06 Interest (CASH) 33.33% $1.00 $1.00 0.01% Interest Income
2020-03-13 2020-04-06 Interest (CASH) 33.33% $1.00 $1.00 0.01% Interest Income
2018-12-06 2020-03-13 Completed 33.33% $19.65 $21.13 7.47% Stop
2018-12-06 2020-03-13 Completed 33.33% $19.65 $21.13 7.47% Stop
2018-12-06 2020-03-13 Completed 33.33% $19.65 $21.13 7.47% Stop
2018-10-16 2018-12-06 Interest (CASH) 33.33% $1.00 $1.00 0.32% Interest Income
2018-03-01 2018-12-06 Interest (CASH) 33.33% $1.00 $1.02 1.56% Interest Income
2017-09-29 2018-12-06 Interest (CASH) 33.33% $1.00 $1.02 2.12% Interest Income
2018-08-27 2018-10-16 Completed 33.33% $19.73 $19.46 -1.43% Signal
2017-12-21 2018-08-27 Interest (CASH) 33.33% $1.00 $1.01 1.20% Interest Income
2017-03-24 2018-03-01 Completed 33.33% $19.37 $19.50 0.62% Signal
2017-03-24 2017-12-21 Completed 33.33% $19.37 $19.77 2.04% Signal
2014-04-01 2017-09-29 Completed 33.33% $17.97 $19.85 10.43% Signal
2017-02-01 2017-03-24 Interest (CASH) 33.33% $1.00 $1.00 0.09% Interest Income
2016-11-28 2017-03-24 Interest (CASH) 33.33% $1.00 $1.00 0.18% Interest Income
2016-01-08 2017-02-01 Completed 33.33% $18.88 $19.25 1.92% Signal
2015-10-15 2016-11-28 Completed 33.33% $19.00 $19.22 1.12% Signal
2015-09-30 2016-01-08 Interest (CASH) 33.33% $1.00 $1.00 0.03% Interest Income
2015-06-29 2015-10-15 Interest (CASH) 33.33% $1.00 $1.00 0.01% Interest Income
2014-03-03 2015-09-30 Completed 33.33% $18.02 $18.85 4.60% Signal
2013-11-25 2015-06-29 Completed 33.33% $17.73 $18.60 4.82% Signal
2013-12-11 2014-04-01 Interest (CASH) 33.33% $1.00 $1.00 0.02% Interest Income
2013-07-09 2014-03-03 Interest (CASH) 33.33% $1.00 $1.00 0.03% Interest Income
2013-07-11 2013-12-11 Completed 33.33% $17.45 $17.75 1.66% Signal
2013-07-09 2013-11-25 Interest (CASH) 33.33% $1.00 $1.00 0.02% Interest Income
2013-07-09 2013-07-11 Interest (CASH) 33.33% $1.00 $1.00 0.00% Interest Income

Next Steps: Portfolio Integration & Comparative Analysis

Single-ticker trend following is designed to truncate tail risk inside a broader portfolio. View where SCHZ ranks across 40+ tracked assets, evaluate correlation against non-correlated diversifiers, or model it inside a custom all-weather asset mix.

📊 View Full 40-Asset Backtest Matrix → 🛠️ Build Custom Portfolio with SCHZ → ⚖️ Compare SCHZ vs Non-Correlated Assets →