Schwab Roth V3
SICNX because actively managed (see if adapts to market volatility compared to SWISX)
Asset Allocation
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Schwab Roth V3, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends. The portfolio is rebalanced every 3 months.
The earliest data available for this chart is Feb 7, 2019, corresponding to the inception date of VFTAX
Returns By Period
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -10.18% | -6.92% | -9.92% | 5.42% | 12.98% | 9.70% |
| Schwab Roth V3 | 4.36% | -4.58% | 2.11% | 15.71% | 15.76% | N/A |
| Portfolio components: | ||||||
SWPPX Schwab S&P 500 Index Fund | -9.84% | -6.83% | -9.34% | 6.81% | 14.70% | 11.41% |
SWLGX Schwab U.S. Large-Cap Growth Index Fund | -14.69% | -7.32% | -10.46% | 6.63% | 15.75% | N/A |
SFENX Schwab Fundamental Emerging Markets Large Company Index Fund | 0.22% | -8.22% | -5.99% | 11.26% | 10.64% | 4.71% |
VFTAX Vanguard FTSE Social Index Fund Admiral Shares | -11.64% | -7.16% | -10.14% | 6.31% | 14.28% | N/A |
SFILX Schwab Fundamental International Small Company Index Fund | 7.46% | -2.29% | 0.21% | 10.37% | 9.27% | 3.90% |
CGW Invesco S&P Global Water Index ETF | 3.43% | -0.78% | -6.62% | 4.82% | 11.16% | 8.39% |
VYMI Vanguard International High Dividend Yield ETF | 8.39% | -3.37% | 2.50% | 14.96% | 14.27% | N/A |
SCINX DWS CROCI International Fund | 11.22% | -5.49% | 7.49% | 13.95% | 11.10% | 3.67% |
BRK-B Berkshire Hathaway Inc. | 14.32% | -1.34% | 11.49% | 29.59% | 22.13% | 13.93% |
SWMCX Schwab U.S. Mid-Cap Index Fund | -8.70% | -6.66% | -11.13% | 2.54% | 11.86% | N/A |
SWISX Schwab International Index Fund | 7.16% | -4.46% | 0.25% | 9.93% | 10.92% | 5.09% |
Monthly Returns
The table below presents the monthly returns of Schwab Roth V3, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 3.61% | 4.26% | -0.09% | -3.31% | 4.36% | ||||||||
| 2024 | 1.97% | 4.42% | 3.03% | -3.98% | 4.80% | -1.10% | 4.12% | 4.29% | 0.09% | -2.52% | 3.83% | -3.11% | 16.38% |
| 2023 | 5.87% | -2.36% | 2.52% | 2.50% | -2.20% | 5.84% | 3.56% | -1.35% | -3.48% | -2.92% | 7.81% | 3.91% | 20.58% |
| 2022 | -1.27% | -1.50% | 3.91% | -7.87% | 0.74% | -10.35% | 7.16% | -5.28% | -8.04% | 7.95% | 9.35% | -3.40% | -10.51% |
| 2021 | -1.36% | 3.45% | 4.73% | 4.68% | 3.35% | -1.07% | 0.92% | 2.15% | -4.43% | 4.41% | -2.60% | 6.07% | 21.55% |
| 2020 | -1.08% | -8.06% | -14.33% | 8.22% | 3.36% | 1.34% | 4.95% | 7.20% | -2.99% | -3.95% | 13.01% | 3.81% | 8.62% |
| 2019 | 2.27% | 0.19% | 4.67% | -7.28% | 6.68% | -1.06% | -1.99% | 3.19% | 3.13% | 2.87% | 3.42% | 16.46% |
Expense Ratio
Schwab Roth V3 has an expense ratio of 0.32%, placing it in the medium range. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 87, Schwab Roth V3 is among the top 13% of portfolios on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
This table presents a comparison of risk-adjusted performance metrics for positions. Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|
SWPPX Schwab S&P 500 Index Fund | 0.31 | 0.57 | 1.08 | 0.32 | 1.42 |
SWLGX Schwab U.S. Large-Cap Growth Index Fund | 0.21 | 0.47 | 1.06 | 0.22 | 0.84 |
SFENX Schwab Fundamental Emerging Markets Large Company Index Fund | 0.67 | 1.03 | 1.14 | 0.72 | 1.97 |
VFTAX Vanguard FTSE Social Index Fund Admiral Shares | 0.26 | 0.51 | 1.07 | 0.26 | 1.12 |
SFILX Schwab Fundamental International Small Company Index Fund | 0.70 | 1.06 | 1.14 | 0.65 | 2.06 |
CGW Invesco S&P Global Water Index ETF | 0.39 | 0.64 | 1.08 | 0.40 | 1.00 |
VYMI Vanguard International High Dividend Yield ETF | 0.96 | 1.40 | 1.19 | 1.21 | 4.23 |
SCINX DWS CROCI International Fund | 0.88 | 1.26 | 1.17 | 0.99 | 3.38 |
BRK-B Berkshire Hathaway Inc. | 1.64 | 2.29 | 1.33 | 3.47 | 8.96 |
SWMCX Schwab U.S. Mid-Cap Index Fund | 0.10 | 0.27 | 1.04 | 0.09 | 0.32 |
SWISX Schwab International Index Fund | 0.57 | 0.89 | 1.12 | 0.70 | 2.04 |
Dividends
Dividend yield
Schwab Roth V3 provided a 1.73% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 1.73% | 1.81% | 1.91% | 2.02% | 1.98% | 1.39% | 1.94% | 2.20% | 1.58% | 1.97% | 1.82% | 3.97% |
| Portfolio components: | ||||||||||||
SWPPX Schwab S&P 500 Index Fund | 1.36% | 1.23% | 1.43% | 1.67% | 1.17% | 1.81% | 1.77% | 2.20% | 1.75% | 1.99% | 2.15% | 1.80% |
SWLGX Schwab U.S. Large-Cap Growth Index Fund | 0.61% | 0.52% | 0.67% | 0.93% | 0.57% | 0.67% | 0.96% | 1.03% | 0.00% | 0.00% | 0.00% | 0.00% |
SFENX Schwab Fundamental Emerging Markets Large Company Index Fund | 4.67% | 4.68% | 5.01% | 5.46% | 4.61% | 2.95% | 3.83% | 2.90% | 2.38% | 2.16% | 3.23% | 2.83% |
VFTAX Vanguard FTSE Social Index Fund Admiral Shares | 1.16% | 0.99% | 1.10% | 1.34% | 0.94% | 1.21% | 1.44% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SFILX Schwab Fundamental International Small Company Index Fund | 4.38% | 4.71% | 3.11% | 4.88% | 6.00% | 1.98% | 2.78% | 5.77% | 3.75% | 2.45% | 2.09% | 2.19% |
CGW Invesco S&P Global Water Index ETF | 2.19% | 2.27% | 1.55% | 1.45% | 1.59% | 1.41% | 1.48% | 2.14% | 1.71% | 1.65% | 1.67% | 1.77% |
VYMI Vanguard International High Dividend Yield ETF | 4.48% | 4.84% | 4.58% | 4.71% | 4.30% | 3.22% | 4.20% | 4.29% | 3.21% | 2.39% | 0.00% | 0.00% |
SCINX DWS CROCI International Fund | 2.87% | 3.20% | 3.55% | 3.48% | 3.89% | 1.80% | 3.39% | 3.73% | 2.49% | 3.76% | 3.52% | 11.00% |
BRK-B Berkshire Hathaway Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SWMCX Schwab U.S. Mid-Cap Index Fund | 1.56% | 1.42% | 1.49% | 1.50% | 1.00% | 1.45% | 1.40% | 1.17% | 0.00% | 0.00% | 0.00% | 0.00% |
SWISX Schwab International Index Fund | 3.07% | 3.30% | 3.31% | 2.73% | 3.34% | 1.88% | 3.09% | 3.15% | 2.71% | 3.19% | 2.71% | 3.37% |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the Schwab Roth V3. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Schwab Roth V3 was 33.19%, occurring on Mar 23, 2020. Recovery took 162 trading sessions.
The current Schwab Roth V3 drawdown is 4.94%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -33.19% | Feb 20, 2020 | 23 | Mar 23, 2020 | 162 | Nov 10, 2020 | 185 |
| -23.95% | Mar 30, 2022 | 136 | Oct 12, 2022 | 190 | Jul 18, 2023 | 326 |
| -11.54% | Mar 26, 2025 | 10 | Apr 8, 2025 | — | — | — |
| -9.8% | Jan 13, 2022 | 37 | Mar 8, 2022 | 15 | Mar 29, 2022 | 52 |
| -9.17% | Aug 1, 2023 | 63 | Oct 27, 2023 | 24 | Dec 1, 2023 | 87 |
Volatility
Volatility Chart
The current Schwab Roth V3 volatility is 10.48%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Diversification
Asset Correlations Table
| BRK-B | SFENX | SWLGX | CGW | SCINX | VFTAX | VYMI | SFILX | SWMCX | SWPPX | SWISX | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| BRK-B | 1.00 | 0.45 | 0.49 | 0.61 | 0.57 | 0.60 | 0.61 | 0.55 | 0.66 | 0.66 | 0.58 |
| SFENX | 0.45 | 1.00 | 0.55 | 0.58 | 0.72 | 0.60 | 0.82 | 0.76 | 0.62 | 0.62 | 0.75 |
| SWLGX | 0.49 | 0.55 | 1.00 | 0.66 | 0.63 | 0.97 | 0.62 | 0.67 | 0.80 | 0.94 | 0.70 |
| CGW | 0.61 | 0.58 | 0.66 | 1.00 | 0.76 | 0.75 | 0.76 | 0.78 | 0.83 | 0.77 | 0.81 |
| SCINX | 0.57 | 0.72 | 0.63 | 0.76 | 1.00 | 0.70 | 0.91 | 0.91 | 0.74 | 0.72 | 0.94 |
| VFTAX | 0.60 | 0.60 | 0.97 | 0.75 | 0.70 | 1.00 | 0.70 | 0.73 | 0.88 | 0.99 | 0.76 |
| VYMI | 0.61 | 0.82 | 0.62 | 0.76 | 0.91 | 0.70 | 1.00 | 0.90 | 0.76 | 0.73 | 0.94 |
| SFILX | 0.55 | 0.76 | 0.67 | 0.78 | 0.91 | 0.73 | 0.90 | 1.00 | 0.77 | 0.76 | 0.94 |
| SWMCX | 0.66 | 0.62 | 0.80 | 0.83 | 0.74 | 0.88 | 0.76 | 0.77 | 1.00 | 0.91 | 0.79 |
| SWPPX | 0.66 | 0.62 | 0.94 | 0.77 | 0.72 | 0.99 | 0.73 | 0.76 | 0.91 | 1.00 | 0.79 |
| SWISX | 0.58 | 0.75 | 0.70 | 0.81 | 0.94 | 0.76 | 0.94 | 0.94 | 0.79 | 0.79 | 1.00 |