Schwab Monthly Income Fund - Moderate Payout (SWJRX)
The fund invests primarily in a combination of Schwab Funds, Laudus Funds and Schwab ETFs (the underlying funds) in accordance with its target asset allocation. It has the flexibility to move within the following asset allocation ranges (under normal market conditions) at the discretion of the investment adviser: 20%-60% equity; 40%-70% fixed income; and 0%-10% cash and cash equivalents. The fund is designed to offer investors a targeted annual payout of 3-4%.
Fund Info
US8085092935
808509293
Mar 27, 2008
$0
Large-Cap
Value
Expense Ratio
SWJRX has an expense ratio of 0.00%, meaning no management fees are charged.
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Schwab Monthly Income Fund - Moderate Payout, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
Schwab Monthly Income Fund - Moderate Payout had a return of 2.70% year-to-date (YTD) and 8.52% in the last 12 months. Over the past 10 years, Schwab Monthly Income Fund - Moderate Payout had an annualized return of 1.74%, while the S&P 500 had an annualized return of 10.15%, indicating that Schwab Monthly Income Fund - Moderate Payout did not perform as well as the benchmark.
SWJRX
2.70%
-0.87%
0.22%
8.52%
3.47%
1.74%
^GSPC (Benchmark)
-6.06%
-2.95%
-4.87%
8.34%
13.98%
10.15%
Monthly Returns
The table below presents the monthly returns of SWJRX, 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 | 1.44% | 2.13% | 0.32% | -1.19% | 2.70% | ||||||||
| 2024 | -0.51% | -0.01% | 1.93% | -3.11% | 2.41% | 0.01% | 4.10% | 2.57% | 1.55% | -2.56% | 1.50% | -3.59% | 4.03% |
| 2023 | 4.67% | -2.91% | 0.61% | 1.04% | -2.76% | 2.55% | 1.97% | -1.73% | -3.13% | -2.60% | 6.01% | 5.16% | 8.59% |
| 2022 | -3.04% | -2.11% | -0.75% | -4.49% | 0.71% | -4.39% | 3.85% | -3.51% | -6.69% | 3.19% | 5.85% | -6.67% | -17.42% |
| 2021 | -0.58% | 1.19% | 1.44% | 2.55% | 1.07% | 0.22% | 1.31% | 0.97% | -2.48% | 1.99% | -1.42% | 2.16% | 8.63% |
| 2020 | -0.27% | -3.11% | -9.31% | 5.64% | 2.11% | 0.91% | 2.44% | 1.63% | -1.43% | -1.08% | 6.28% | 1.66% | 4.63% |
| 2019 | 4.76% | 1.41% | 1.30% | 1.38% | -1.94% | 3.56% | 0.17% | 0.27% | 1.00% | 1.08% | 1.09% | -1.34% | 13.31% |
| 2018 | 1.24% | -2.81% | -0.05% | -0.14% | 0.71% | -0.40% | 1.27% | 0.44% | -0.66% | -3.88% | 0.94% | -4.05% | -7.33% |
| 2017 | 0.91% | 1.96% | 0.03% | 0.97% | 0.60% | 0.50% | 1.53% | 0.43% | 1.07% | 0.52% | 0.79% | 1.02% | 10.81% |
| 2016 | -2.63% | -0.25% | 4.09% | 0.61% | 0.44% | 0.62% | 1.93% | -0.04% | 0.15% | -1.61% | 0.24% | -2.69% | 0.67% |
| 2015 | 0.22% | 1.74% | 0.05% | 0.22% | 0.39% | -1.62% | 0.76% | -3.23% | -0.96% | 3.10% | 0.14% | -4.97% | -4.34% |
| 2014 | -1.11% | 2.51% | 0.59% | 0.67% | 1.37% | 1.01% | -1.07% | 1.88% | -2.01% | 1.46% | 0.92% | -2.74% | 3.38% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 77, SWJRX is among the top 23% of mutual funds 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
The charts below present risk-adjusted performance metrics for Schwab Monthly Income Fund - Moderate Payout (SWJRX) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
Schwab Monthly Income Fund - Moderate Payout provided a 4.95% dividend yield over the last twelve months, with an annual payout of $0.50 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.50 | $0.49 | $0.48 | $0.30 | $0.37 | $0.21 | $0.29 | $0.24 | $0.33 | $0.22 | $0.28 | $0.31 |
Dividend yield | 4.95% | 4.93% | 4.83% | 3.10% | 3.06% | 1.84% | 2.62% | 2.38% | 2.94% | 2.16% | 2.65% | 2.77% |
Monthly Dividends
The table displays the monthly dividend distributions for Schwab Monthly Income Fund - Moderate Payout. 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.04 | $0.04 | $0.04 | $0.00 | $0.13 | ||||||||
| 2024 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.49 |
| 2023 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.48 |
| 2022 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.04 | $0.04 | $0.04 | $0.04 | $0.30 |
| 2021 | $0.01 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.19 | $0.37 |
| 2020 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.01 | $0.04 | $0.21 |
| 2019 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.08 | $0.29 |
| 2018 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.05 | $0.24 |
| 2017 | $0.01 | $0.01 | $0.01 | $0.01 | $0.01 | $0.01 | $0.01 | $0.02 | $0.02 | $0.02 | $0.02 | $0.16 | $0.33 |
| 2016 | $0.02 | $0.01 | $0.01 | $0.01 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.06 | $0.22 |
| 2015 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.11 | $0.28 |
| 2014 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.13 | $0.31 |
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 Monthly Income Fund - Moderate Payout. 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 Monthly Income Fund - Moderate Payout was 25.61%, occurring on Mar 9, 2009. Recovery took 274 trading sessions.
The current Schwab Monthly Income Fund - Moderate Payout drawdown is 4.60%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -25.61% | May 20, 2008 | 201 | Mar 9, 2009 | 274 | Apr 9, 2010 | 475 |
| -21.31% | Dec 30, 2019 | 58 | Mar 23, 2020 | 172 | Nov 24, 2020 | 230 |
| -20.44% | Dec 30, 2021 | 460 | Oct 27, 2023 | — | — | — |
| -12.37% | May 18, 2015 | 187 | Feb 11, 2016 | 398 | Sep 11, 2017 | 585 |
| -10.48% | Jan 29, 2018 | 229 | Dec 24, 2018 | 122 | Jun 20, 2019 | 351 |
Volatility
Volatility Chart
The current Schwab Monthly Income Fund - Moderate Payout volatility is 5.02%, 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.