- ISIN
- US8085091861
- CUSIP
- 808509186
- Issuer
- Charles Schwab
- Inception Date
- Jan 22, 2013
- Category
- Target Retirement Date
- 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
SWNRX Performance Chart
Schwab Target 2050 Fund (SWNRX) is up 10.7% since the beginning of the year. SWNRX is currently trading at $21 per share. Investors who bought $1,000 worth of SWNRX shares 5 years ago would now be looking at an investment worth $1,563.
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Returns By Period
Schwab Target 2050 Fund (SWNRX) has returned 10.72% so far this year and 25.60% over the past 12 months. Over the last ten years, SWNRX has returned 11.17% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Schwab Target 2050 Fund
- 1D
- 1.09%
- 1M
- 1.38%
- YTD
- 10.72%
- 6M
- 10.49%
- 1Y
- 25.60%
- 3Y*
- 17.24%
- 5Y*
- 9.34%
- 10Y*
- 11.17%
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%
SWNRX Monthly Returns History
Based on dividend-adjusted daily data since Jan 23, 2013, SWNRX's average daily return is +0.04%, while the average monthly return is +0.90%. At this rate, an investment would double in approximately 6.4 years.
Historically, 68% of months were positive and 32% were negative. The best month was Nov 2020 with a return of +10.8%, while the worst month was Mar 2020 at -14.5%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.
On a daily basis, SWNRX closed higher 52% of trading days. The best single day was Dec 29, 2022 with a return of +8.4%, while the worst single day was Mar 16, 2020 at -10.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.12% | 2.07% | -6.33% | 8.18% | 3.80% | 0.00% | 10.72% | ||||||
| 2025 | 3.20% | -0.46% | -3.41% | 0.54% | 4.82% | 4.25% | 0.44% | 3.03% | 3.05% | 1.68% | 0.40% | 0.74% | 19.56% |
| 2024 | -0.00% | 4.19% | 2.89% | -3.78% | 4.38% | 1.46% | 2.04% | 2.29% | 1.61% | -2.26% | 3.93% | -3.19% | 13.90% |
| 2023 | 7.71% | -2.91% | 2.26% | 1.07% | -0.99% | 5.56% | 3.24% | -2.55% | -4.37% | -3.16% | 8.63% | 5.51% | 20.65% |
| 2022 | -5.32% | -3.11% | 1.36% | -7.73% | 0.40% | -8.22% | 7.02% | -4.28% | -9.37% | 6.02% | 7.64% | -4.00% | -19.60% |
| 2021 | -0.31% | 2.84% | 2.33% | 4.44% | 1.38% | 1.42% | 0.89% | 2.27% | -4.11% | 4.35% | -2.38% | 3.72% | 17.76% |
Benchmark Metrics
Schwab Target 2050 Fund has an annualized alpha of -0.18%, beta of 0.84, and R2 of 0.85 versus S&P 500 Index. Calculated based on daily prices since January 23, 2013.
- This fund participated in 94.86% of S&P 500 Index downside but only 86.31% of its upside - more exposed to losses than it benefited from rallies.
- Alpha
- -0.18%
- Beta
- 0.84
- R²
- 0.85
- Upside Capture
- 86.31%
- Downside Capture
- 94.86%
Expense Ratio
SWNRX has an expense ratio of 0.00%, meaning no management fees are charged.
Return for Risk
Risk / Return Rank
SWNRX ranks 58 for risk / return — on par with similar mutual funds. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Schwab Target 2050 Fund (SWNRX) 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.
| SWNRX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.04 | ||
| Sortino ratioReturn per unit of downside risk | +0.09 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.37 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.76 | 2.78 | -0.03 |
| Martin ratioReturn relative to average drawdown | 11.94 | 12.44 | -0.50 |
Dividends
Dividend History
Schwab Target 2050 Fund provided a 4.44% dividend yield over the last twelve months, with an annual payout of $0.94 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 | $0.94 | $0.94 | $0.56 | $0.52 | $1.08 | $1.05 | $0.37 | $0.70 | $0.78 | $0.39 | $0.64 | $0.68 |
Dividend yield | 4.44% | 4.91% | 3.33% | 3.38% | 8.27% | 5.97% | 2.35% | 4.95% | 6.51% | 2.71% | 5.34% | 5.80% |
Monthly Dividends
The table displays the monthly dividend distributions for Schwab Target 2050 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 | $0.94 | $0.94 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.56 | $0.56 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.52 | $0.52 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.08 | $1.08 |
| 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 2050 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 2050 Fund was 31.50%, occurring on Mar 20, 2020. Recovery took 109 trading sessions.
The current Schwab Target 2050 Fund drawdown is 0.42%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -31.50%Mar 2020 | 29d | 5mo 8d | 6mo 7dFeb 2020 - Aug 2020 |
Bear market2022 | -31.18%Oct 2022 | 9mo 17d | 1y 8mo | 2y 6moDec 2021 - Jul 2024 |
Rate-hike selloffLate 2018 | -18.78%Dec 2018 | 10mo 26d | 10mo 29d | 1y 9moJan 2018 - Nov 2019 |
2016 correction2016 | -17.35%Feb 2016 | 7mo 22d | 10mo | 1y 5moJun 2015 - Dec 2016 |
2025 selloff2025 | -15.00%Apr 2025 | 1mo 18d | 1mo 26d | 3mo 14dFeb 2025 - Jun 2025 |
Drawdown Indicators
| SWNRX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.50% | -56.78% | +25.28% |
Max Drawdown (1Y)Largest decline over 1 year | -9.15% | -9.10% | -0.05% |
Max Drawdown (3Y)Largest decline over 3 years | -15.00% | -18.90% | +3.90% |
Max Drawdown (5Y)Largest decline over 5 years | -31.18% | -25.43% | -5.75% |
Max Drawdown (10Y)Largest decline over 10 years | -31.50% | -33.92% | +2.42% |
Current DrawdownCurrent decline from peak | -0.42% | -1.80% | +1.38% |
Average DrawdownAverage peak-to-trough decline | -5.46% | -10.71% | +5.25% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.11% | 2.03% | +0.08% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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