- ISIN
- US8085092513
- CUSIP
- 808509251
- Issuer
- Charles Schwab
- Inception Date
- Mar 11, 2008
- Category
- Target Retirement Date
- Min. Investment
- $0
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
- Assets Under Management
- $381M
Share Price Chart
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Performance
SWHRX Performance Chart
Schwab Target 2025 Fund (SWHRX) is up 5.1% since the beginning of the year. SWHRX is currently trading at $15 per share. Investors who bought $1,000 worth of SWHRX shares 5 years ago would now be looking at an investment worth $1,288.
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Returns By Period
Schwab Target 2025 Fund (SWHRX) has returned 5.05% so far this year and 14.17% over the past 12 months. Over the last ten years, SWHRX has returned 7.44% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.
Schwab Target 2025 Fund
- 1D
- 0.00%
- 1M
- 1.85%
- YTD
- 5.05%
- 6M
- 5.56%
- 1Y
- 14.17%
- 3Y*
- 11.33%
- 5Y*
- 5.20%
- 10Y*
- 7.44%
Benchmark (S&P 500 Index)
- 1D
- 0.13%
- 1M
- 5.25%
- YTD
- 11.16%
- 6M
- 11.43%
- 1Y
- 28.20%
- 3Y*
- 21.12%
- 5Y*
- 12.66%
- 10Y*
- 13.75%
SWHRX Monthly Returns History
Based on dividend-adjusted daily data since Mar 12, 2008, SWHRX's average daily return is +0.03%, while the average monthly return is +0.61%. At this rate, an investment would double in approximately 9.5 years.
Historically, 65% of months were positive and 35% were negative. The best month was Oct 2011 with a return of +8.6%, while the worst month was Oct 2008 at -12.9%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 5 months.
On a daily basis, SWHRX closed higher 52% of trading days. The best single day was Oct 13, 2008 with a return of +6.7%, while the worst single day was Mar 16, 2020 at -6.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.30% | 1.55% | -3.78% | 4.14% | 1.92% | 0.00% | 5.05% | ||||||
| 2025 | 1.96% | 0.82% | -1.84% | 0.49% | 2.14% | 2.70% | 0.26% | 1.97% | 1.86% | 1.01% | 0.56% | 0.17% | 12.70% |
| 2024 | 0.14% | 1.62% | 1.94% | -3.06% | 3.09% | 1.23% | 2.08% | 1.84% | 1.49% | -2.10% | 2.73% | -2.32% | 8.78% |
| 2023 | 5.52% | -2.40% | 2.31% | 0.87% | -0.87% | 2.98% | 1.77% | -1.60% | -3.39% | -2.12% | 6.57% | 4.37% | 14.29% |
| 2022 | -3.84% | -2.28% | -0.06% | -5.78% | 0.28% | -5.43% | 5.23% | -3.52% | -7.02% | 3.39% | 5.51% | -2.67% | -15.90% |
| 2021 | -0.51% | 1.08% | 1.19% | 2.92% | 0.91% | 1.02% | 1.12% | 1.29% | -2.66% | 2.73% | -1.21% | 2.11% | 10.31% |
Benchmark Metrics
Schwab Target 2025 Fund has an annualized alpha of 0.85%, beta of 0.57, and R2 of 0.84 versus S&P 500 Index. Calculated based on daily prices since March 13, 2008.
- This fund participated in 70.36% of S&P 500 Index downside but only 62.26% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.57 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
- 0.85%
- Beta
- 0.57
- R²
- 0.84
- Upside Capture
- 62.26%
- Downside Capture
- 70.36%
Expense Ratio
SWHRX has an expense ratio of 0.00%, meaning no management fees are charged.
Return for Risk
Risk / Return Rank
SWHRX ranks 61 for risk / return — better than 61% 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 Target 2025 Fund (SWHRX) and compare them to S&P 500 Index.
| SWHRX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.32 | 2.39 | -0.07 |
Sortino ratioReturn per unit of downside risk | 3.36 | 3.25 | +0.11 |
Omega ratioGain probability vs. loss probability | 1.44 | 1.43 | +0.01 |
Calmar ratioReturn relative to maximum drawdown | 2.78 | 3.11 | -0.33 |
Martin ratioReturn relative to average drawdown | 12.30 | 14.38 | -2.08 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
Schwab Target 2025 Fund provided a 9.65% dividend yield over the last twelve months, with an annual payout of $1.48 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.48 | $1.48 | $1.12 | $0.74 | $0.75 | $1.05 | $0.46 | $0.79 | $0.77 | $0.55 | $0.69 | $0.92 |
Dividend yield | 9.65% | 10.13% | 7.82% | 5.19% | 5.72% | 6.41% | 2.94% | 5.47% | 5.95% | 3.78% | 5.31% | 7.05% |
Monthly Dividends
The table displays the monthly dividend distributions for Schwab Target 2025 Fund. 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 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.48 | $1.48 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.12 | $1.12 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.74 | $0.74 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.75 | $0.75 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.05 | $1.05 |
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 Target 2025 Fund. 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 Target 2025 Fund was 37.97%, occurring on Mar 9, 2009. Recovery took 398 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -37.97%Mar 2009 | 9mo 23d | 1y 7mo | 2y 4moMay 2008 - Oct 2010 |
Bear market2022 | -26.06%Oct 2022 | 9mo 17d | 2y 1mo | 2y 11moDec 2021 - Nov 2024 |
COVID crash2020 | -21.32%Mar 2020 | 1mo 2d | 4mo 8d | 5mo 10dFeb 2020 - Jul 2020 |
2011 correction2011 | -15.41%Oct 2011 | 5mo 4d | 4mo 16d | 9mo 20dMay 2011 - Feb 2012 |
2016 correction2016 | -11.79%Feb 2016 | 8mo 25d | 5mo 19d | 1y 2moMay 2015 - Jul 2016 |
Drawdown Indicators
| SWHRX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -37.97% | -56.78% | +18.81% |
Max Drawdown (1Y)Largest decline over 1 year | -5.18% | -9.10% | +3.92% |
Max Drawdown (3Y)Largest decline over 3 years | -7.77% | -18.90% | +11.13% |
Max Drawdown (5Y)Largest decline over 5 years | -26.06% | -25.43% | -0.63% |
Max Drawdown (10Y)Largest decline over 10 years | -26.06% | -33.92% | +7.86% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -5.34% | -10.72% | +5.38% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.17% | 1.97% | -0.80% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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