Which Short-Term Bond ETF Is the Better Buy: iShares' ISTB or Schwab's SCHO?

The article compares two short-term bond ETFs: iShares Core 1-5 Year USD Bond ETF (ISTB) and Schwab Short-Term U.S. Treasury ETF (SCHO). SCHO offers lower costs (0.03% expense ratio) and focuses exclusively on U.S. Treasuries with minimal volatility, making it ideal for conservative investors prioritizing capital preservation. ISTB provides higher yields (4.3% vs 3.9%) through diversified holdings including corporate debt and mortgage-backed securities, but carries additional credit risk. The choice depends on whether investors prioritize safety or income.