- ISIN
- US8085095094
- CUSIP
- 808509509
- Issuer
- Charles Schwab
- Inception Date
- Nov 19, 1995
- Category
- Diversified Portfolio
- Min. Investment
- $0
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
SWCGX Performance Chart
Schwab MarketTrack Conservative Portfolio™ (SWCGX) is up 5.1% since the beginning of the year. SWCGX is currently trading at $16 per share. Investors who bought $1,000 worth of SWCGX shares 5 years ago would now be looking at an investment worth $1,245.
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Returns By Period
Schwab MarketTrack Conservative Portfolio™ (SWCGX) has returned 5.08% so far this year and 13.38% over the past 12 months. Over the last ten years, SWCGX has returned 5.80% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Schwab MarketTrack Conservative Portfolio™
- 1D
- 0.49%
- 1M
- 0.68%
- YTD
- 5.08%
- 6M
- 4.96%
- 1Y
- 13.38%
- 3Y*
- 9.59%
- 5Y*
- 4.48%
- 10Y*
- 5.80%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
SWCGX Monthly Returns History
Based on dividend-adjusted daily data since Jan 2, 1996, SWCGX's average daily return is +0.02%, while the average monthly return is +0.48%. At this rate, an investment would double in approximately 12.1 years.
Historically, 66% of months were positive and 34% were negative. The best month was Dec 2000 with a return of +6.2%, while the worst month was Oct 2008 at -9.7%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 5 months.
On a daily basis, SWCGX closed higher 51% of trading days. The best single day was Dec 28, 2023 with a return of +5.4%, while the worst single day was Dec 29, 2023 at -5.3%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.47% | 1.57% | -3.28% | 3.73% | 1.74% | -0.12% | 5.08% | ||||||
| 2025 | 1.54% | 1.12% | -1.45% | 0.27% | 1.59% | 2.60% | 0.13% | 2.17% | 1.76% | 0.93% | 0.67% | 0.07% | 11.95% |
| 2024 | -0.52% | 0.97% | 2.21% | -3.48% | 2.88% | 0.95% | 2.60% | 1.61% | 2.09% | -2.93% | 2.34% | -2.29% | 6.32% |
| 2023 | 4.80% | -2.58% | 2.10% | 0.72% | -1.23% | 2.37% | 1.48% | -1.58% | -3.15% | -2.13% | 6.06% | 4.73% | 11.61% |
| 2022 | -2.97% | -1.50% | -0.75% | -5.15% | 0.62% | -4.29% | 4.42% | -3.11% | -6.33% | 2.41% | 4.90% | -2.24% | -13.76% |
| 2021 | -0.23% | 0.63% | 0.87% | 2.05% | 0.89% | 0.79% | 0.82% | 0.87% | -2.03% | 1.99% | -0.81% | 1.63% | 7.66% |
Benchmark Metrics
Schwab MarketTrack Conservative Portfolio™ has an annualized alpha of 2.30%, beta of 0.36, and R2 of 0.78 versus S&P 500 Index. Calculated based on daily prices since January 02, 1996.
- This fund participated in 43.98% of S&P 500 Index downside but only 43.02% of its upside - more exposed to losses than it benefited from rallies.
- This fund generated an annualized alpha of 2.30% versus S&P 500 Index - delivering returns beyond what market exposure alone would predict.
- Beta of 0.36 indicates this fund moves significantly less than S&P 500 Index - a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 2.30%
- Beta
- 0.36
- R²
- 0.78
- Upside Capture
- 43.02%
- Downside Capture
- 43.98%
Expense Ratio
SWCGX has an expense ratio of 0.42%, placing it in the medium range.
Return for Risk
Risk / Return Rank
SWCGX ranks 67 for risk / return — better than 67% of mutual funds on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Schwab MarketTrack Conservative Portfolio™ (SWCGX) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SWCGX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.17 | ||
| Sortino ratioReturn per unit of downside risk | +0.42 | ||
| Omega ratioGain probability vs. loss probability | 1.42 | 1.37 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.92 | 2.78 | +0.13 |
| Martin ratioReturn relative to average drawdown | 12.54 | 12.44 | +0.10 |
Dividends
Dividend History
Schwab MarketTrack Conservative Portfolio™ provided a 6.39% dividend yield over the last twelve months, with an annual payout of $1.05 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.05 | $1.04 | $1.51 | $1.02 | $0.60 | $0.87 | $0.57 | $0.55 | $0.72 | $0.51 | $0.38 | $1.17 |
Dividend yield | 6.39% | 6.66% | 10.09% | 6.62% | 4.07% | 4.86% | 3.28% | 3.32% | 4.85% | 3.14% | 2.49% | 7.97% |
Monthly Dividends
The table displays the monthly dividend distributions for Schwab MarketTrack Conservative Portfolio™. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.00 | $0.08 | ||||||
| 2025 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.81 | $1.04 |
| 2024 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $1.27 | $1.51 |
| 2023 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.84 | $1.02 |
| 2022 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.49 | $0.60 |
| 2021 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.77 | $0.87 |
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.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Schwab MarketTrack Conservative Portfolio™. 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 MarketTrack Conservative Portfolio™ was 30.18%, occurring on Mar 9, 2009. Recovery took 420 trading sessions.
The current Schwab MarketTrack Conservative Portfolio™ drawdown is 0.24%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -30.18%Mar 2009 | 1y 4mo | 1y 8mo | 3y 4dNov 2007 - Nov 2010 |
Bear market2022 | -21.83%Oct 2022 | 9mo 17d | 1y 11mo | 2y 8moDec 2021 - Sep 2024 |
COVID crash2020 | -15.86%Mar 2020 | 1mo 1d | 4mo 1d | 5mo 2dFeb 2020 - Jul 2020 |
Dot-com crash2000–2002 | -11.84%Oct 2002 | 1y 8mo | 7mo 27d | 2y 4moFeb 2001 - Jun 2003 |
1998 pullback1998 | -7.97%Oct 1998 | 2mo 19d | 1mo 16d | 4mo 5dJul 1998 - Nov 1998 |
Drawdown Indicators
| SWCGX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -30.18% | -56.78% | +26.60% |
Max Drawdown (1Y)Largest decline over 1 year | -4.58% | -9.10% | +4.52% |
Max Drawdown (3Y)Largest decline over 3 years | -7.34% | -18.90% | +11.56% |
Max Drawdown (5Y)Largest decline over 5 years | -21.83% | -25.43% | +3.60% |
Max Drawdown (10Y)Largest decline over 10 years | -21.83% | -33.92% | +12.09% |
Current DrawdownCurrent decline from peak | -0.24% | -1.80% | +1.56% |
Average DrawdownAverage peak-to-trough decline | -3.34% | -10.71% | +7.37% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.06% | 2.03% | -0.97% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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