What this ETF is trying to do

The SCHWAB CORE BOND ETF (ticker: SCCR) is an exchange-traded fund that focuses on bonds. An ETF is a way for investors to buy a collection of different investments all at once.

What the numbers show

As of October 5, 2026, the current price of one share is $24.22. Based on an estimated price from roughly one year ago of $25.91, the share price has gone down.

To see how this looks with money, imagine you had $10,000 in this ETF one year ago based on that estimated price. Because of the share-price decline, your investment would be worth approximately $9,348 if you only look at the share price.

Here is a breakdown of the performance:

• One-year price return: -6.52% (This is just the change in the share price).

• One-year total return: -2.21% (This includes the cash distributions paid out).

• Year-to-date (YTD) price return: -6.31%.

• Year-to-date (YTD) total return: -3.07%.

Income and distribution explanation

Some investors look for ETFs that pay them regular cash. This is called a distribution. The SCHWAB CORE BOND ETF has a distribution yield of approximately 4.75%. Over the last year, the trailing distributions were about $1.15 per share.

These payments usually happen every month, and there were 12 payments in the last year. It is important to remember that "price return" and "total return" are different. The price return only tracks the cost of the share, while the total return includes those cash distributions.

NAV erosion explanation

The term "NAV erosion" refers to a drop in the actual value of the assets held inside the ETF. While a falling market price does not always mean the NAV is dropping, this ETF has an erosion-risk score of 75. This is described as "mild price erosion." This means there is a mild risk measurement regarding the stability of the fund's value.

Pros

• The ETF provides regular cash through distributions that usually occur monthly.

• It has a distribution yield of approximately 4.75%.

Cons

• The share price has declined over the last year and so far this year.

• Both the one-year and year-to-date total returns have been negative.

• There is a "mild" erosion-risk score.

Beginner takeaway

The SCHWAB CORE BOND ETF pays out cash to investors, usually on a monthly basis. However, even with those cash payments, the overall value (the total return) has been negative over the last year and so far this year because the share price has been falling.