- ISIN
- US8085092935
- CUSIP
- 808509293
- Issuer
- Charles Schwab
- Inception Date
- Mar 27, 2008
- Category
- Diversified Portfolio
- Min. Investment
- $0
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Value
Share Price Chart
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Performance
SWJRX Performance Chart
Schwab Monthly Income Fund - Moderate Payout (SWJRX) is up 6.1% since the beginning of the year. SWJRX is currently trading at $11 per share. Investors who bought $1,000 worth of SWJRX shares 5 years ago would now be looking at an investment worth $1,221.
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Returns By Period
Schwab Monthly Income Fund - Moderate Payout (SWJRX) has returned 6.10% so far this year and 13.13% over the past 12 months. Over the last ten years, SWJRX has returned 5.23% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Schwab Monthly Income Fund - Moderate Payout
- 1D
- -0.18%
- 1M
- -0.59%
- YTD
- 6.10%
- 6M
- 6.13%
- 1Y
- 13.13%
- 3Y*
- 9.20%
- 5Y*
- 4.08%
- 10Y*
- 5.23%
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%
SWJRX Monthly Returns History
Based on dividend-adjusted daily data since Mar 31, 2008, SWJRX's average daily return is +0.02%, while the average monthly return is +0.43%. At this rate, an investment would double in approximately 13.5 years.
Historically, 66% of months were positive and 34% were negative. The best month was Nov 2020 with a return of +6.3%, while the worst month was Mar 2020 at -9.3%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 4 months.
On a daily basis, SWJRX closed higher 49% of trading days. The best single day was Dec 29, 2022 with a return of +5.6%, while the worst single day was Mar 16, 2020 at -5.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.26% | 4.10% | -3.35% | 2.37% | 0.41% | -0.64% | 6.10% | ||||||
| 2025 | 1.44% | 2.13% | 0.32% | -0.68% | 1.12% | 1.90% | -0.28% | 2.67% | 0.59% | -0.07% | 2.06% | 0.40% | 12.17% |
| 2024 | -0.71% | -0.01% | 1.93% | -3.11% | 2.41% | 0.01% | 4.10% | 2.57% | 1.55% | -2.56% | 1.50% | -3.59% | 3.83% |
| 2023 | 4.67% | -2.91% | 0.62% | 1.04% | -2.76% | 2.54% | 1.97% | -1.73% | -3.13% | -2.60% | 6.01% | 5.37% | 8.79% |
| 2022 | -3.04% | -2.11% | -0.75% | -4.50% | 0.71% | -4.39% | 3.85% | -3.51% | -6.70% | 3.19% | 5.85% | -1.44% | -12.81% |
| 2021 | -0.58% | 1.19% | 1.44% | 2.55% | 1.07% | 0.22% | 1.31% | 0.97% | -2.48% | 1.99% | -1.42% | 2.74% | 9.23% |
Benchmark Metrics
Schwab Monthly Income Fund - Moderate Payout has an annualized alpha of 1.04%, beta of 0.36, and R2 of 0.73 versus S&P 500 Index. Calculated based on daily prices since March 31, 2008.
- This fund participated in 51.36% of S&P 500 Index downside but only 42.23% of its upside - more exposed to losses than it benefited from rallies.
- 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
- 1.04%
- Beta
- 0.36
- R²
- 0.73
- Upside Capture
- 42.23%
- Downside Capture
- 51.36%
Expense Ratio
SWJRX has an expense ratio of 0.00%, meaning no management fees are charged.
Return for Risk
Risk / Return Rank
SWJRX ranks 66 for risk / return — better than 66% 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 Monthly Income Fund - Moderate Payout (SWJRX) 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.
| SWJRX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.22 | ||
| Sortino ratioReturn per unit of downside risk | +0.52 | ||
| Omega ratioGain probability vs. loss probability | 1.41 | 1.37 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.88 | 2.78 | +0.09 |
| Martin ratioReturn relative to average drawdown | 10.32 | 12.44 | -2.12 |
Dividends
Dividend History
Schwab Monthly Income Fund - Moderate Payout provided a 4.70% dividend yield over the last twelve months, with an annual payout of $0.51 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 | $0.51 | $0.50 | $0.49 | $0.48 | $0.83 | $0.43 | $0.28 | $0.59 | $0.35 | $0.32 | $0.62 | $0.71 |
Dividend yield | 4.70% | 4.78% | 4.94% | 4.80% | 8.67% | 3.62% | 2.49% | 5.36% | 3.47% | 2.93% | 6.05% | 6.80% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.04 | $0.04 | $0.04 | $0.05 | $0.05 | $0.00 | $0.22 | ||||||
| 2025 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.04 | $0.50 |
| 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 | $0.01 | $0.01 | $0.01 | $0.02 | $0.02 | $0.02 | $0.02 | $0.04 | $0.04 | $0.04 | $0.58 | $0.83 |
| 2021 | $0.01 | $0.01 | $0.01 | $0.01 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.02 | $0.26 | $0.43 |
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 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 1.29%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -25.61%Mar 2009 | 9mo 23d | 1y 1mo | 1y 10moMay 2008 - Apr 2010 |
Bear market2022 | -20.87%Oct 2022 | 9mo 17d | 1y 11mo | 2y 8moDec 2021 - Sep 2024 |
COVID crash2020 | -20.46%Mar 2020 | 1mo 4d | 7mo 25d | 8mo 29dFeb 2020 - Nov 2020 |
Rate-hike selloffLate 2018 | -10.47%Dec 2018 | 10mo 29d | 4mo 7d | 1y 3moJan 2018 - Apr 2019 |
2016 pullback2016 | -8.76%Feb 2016 | 8mo 29d | 5mo 2d | 1y 1moMay 2015 - Jul 2016 |
Drawdown Indicators
| SWJRX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -25.61% | -56.78% | +31.17% |
Max Drawdown (1Y)Largest decline over 1 year | -4.55% | -9.10% | +4.55% |
Max Drawdown (3Y)Largest decline over 3 years | -8.18% | -18.90% | +10.72% |
Max Drawdown (5Y)Largest decline over 5 years | -20.87% | -25.43% | +4.56% |
Max Drawdown (10Y)Largest decline over 10 years | -20.87% | -33.92% | +13.05% |
Current DrawdownCurrent decline from peak | -1.29% | -1.80% | +0.51% |
Average DrawdownAverage peak-to-trough decline | -3.88% | -10.71% | +6.83% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.26% | 2.03% | -0.77% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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