SWORX vs. VOO
SWORX (Schwab Target 2055 Fund) and VOO (Vanguard S&P 500 ETF) are both funds - SWORX is a Target Retirement Date fund managed by Charles Schwab, while VOO is a S&P 500 fund tracking the S&P 500 Index. Over the past 10 years, SWORX returned 11.33%/yr vs 15.56%/yr for VOO. Their correlation of 0.94 suggests significant overlap in exposure. SWORX charges 0.00%/yr vs 0.03%/yr for VOO.
Performance
SWORX vs. VOO - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, SWORX achieves a 11.65% return, which is significantly higher than VOO's 10.91% return. Over the past 10 years, SWORX has underperformed VOO with an annualized return of 11.33%, while VOO has yielded a comparatively higher 15.56% annualized return.
SWORX
- 1D
- 0.23%
- 1M
- 4.70%
- YTD
- 11.65%
- 6M
- 12.35%
- 1Y
- 27.05%
- 3Y*
- 18.91%
- 5Y*
- 9.39%
- 10Y*
- 11.33%
VOO
- 1D
- -0.70%
- 1M
- 5.04%
- YTD
- 10.91%
- 6M
- 10.93%
- 1Y
- 28.04%
- 3Y*
- 22.44%
- 5Y*
- 13.90%
- 10Y*
- 15.56%
SWORX vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWORX Schwab Target 2055 Fund | 11.65% | 20.10% | 14.04% | 20.77% | -19.88% | 18.22% | 15.33% | 25.61% | -10.25% | 21.38% |
VOO Vanguard S&P 500 ETF | 10.91% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Correlation
The correlation between SWORX and VOO is 0.95, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.95 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.93 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.93 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.93 |
Correlation (All Time) Calculated using the full available price history since Jan 24, 2013 | 0.94 |
The correlation between SWORX and VOO has been stable across timeframes, ranging from 0.93 to 0.95 - a consistent structural relationship.
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
SWORX vs. VOO — Risk / Return Rank
SWORX
VOO
SWORX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2055 Fund (SWORX) and Vanguard S&P 500 ETF (VOO). 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.
| SWORX | VOO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.08 | ||
| Sortino ratioReturn per unit of downside risk | -0.06 | ||
| Omega ratioGain probability vs. loss probability | 1.42 | 1.43 | -0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.91 | 3.16 | -0.26 |
| Martin ratioReturn relative to average drawdown | 12.83 | 14.73 | -1.90 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| SWORX | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.31 | 2.39 | -0.08 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.83 | -0.26 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.68 | 0.87 | -0.18 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.68 | 0.89 | -0.21 |
Drawdowns
SWORX vs. VOO - Drawdown Comparison
The maximum SWORX drawdown since its inception was -32.13%, smaller than the maximum VOO drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for SWORX and VOO.
Loading charts...
Drawdown Indicators
| SWORX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.13% | -33.99% | +1.86% |
Max Drawdown (1Y)Largest decline over 1 year | -9.42% | -8.90% | -0.52% |
Max Drawdown (3Y)Largest decline over 3 years | -15.50% | -18.69% | +3.19% |
Max Drawdown (5Y)Largest decline over 5 years | -31.07% | -24.52% | -6.55% |
Max Drawdown (10Y)Largest decline over 10 years | -32.13% | -33.99% | +1.86% |
Current DrawdownCurrent decline from peak | 0.00% | -0.70% | +0.70% |
Average DrawdownAverage peak-to-trough decline | -5.53% | -3.69% | -1.84% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.13% | 1.91% | +0.22% |
Volatility
SWORX vs. VOO - Volatility Comparison
Schwab Target 2055 Fund (SWORX) has a higher volatility of 3.44% compared to Vanguard S&P 500 ETF (VOO) at 2.84%. This indicates that SWORX's price experiences larger fluctuations and is considered to be riskier than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| SWORX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.44% | 2.84% | +0.60% |
Volatility (6M)Calculated over the trailing 6-month period | 9.36% | 8.90% | +0.46% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.86% | 11.80% | +0.06% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.47% | 16.81% | -0.34% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.66% | 18.01% | -1.35% |
SWORX vs. VOO - Expense Ratio Comparison
SWORX has a 0.00% expense ratio, which is lower than VOO's 0.03% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
SWORX vs. VOO - Dividend Comparison
SWORX's dividend yield for the trailing twelve months is around 3.97%, more than VOO's 1.03% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWORX Schwab Target 2055 Fund | 3.97% | 4.43% | 3.44% | 3.31% | 8.42% | 5.25% | 2.23% | 5.15% | 6.43% | 2.74% | 5.19% | 5.85% |
VOO Vanguard S&P 500 ETF | 1.03% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Frequently Asked Questions
With a correlation of 0.95, SWORX and VOO move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
SWORX has higher volatility (3.44%) compared to VOO (2.84%). In terms of maximum drawdown, SWORX dropped -32.13% vs VOO's -33.99%.
VOO currently has the higher Sharpe Ratio (2.39 vs 2.31), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for SWORX and VOO
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer