Schwab Balanced Fund™ (SWOBX)

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The chart shows the growth of an initial investment of $10,000 in Schwab Balanced Fund™, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.

Schwab Balanced Fund™ (SWOBX) has returned -4.75% so far this year and 9.96% over the past 12 months. Over the last ten years, SWOBX has returned 7.90% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.

Based on dividend-adjusted daily data since Jan 2, 1997, SWOBX's average daily return is +0.03%, while the average monthly return is +0.60%. At this rate, your investment would double in approximately 9.7 years.

Historically, 64% of months were positive and 36% were negative. The best month was Dec 1999 with a return of +9.2%, while the worst month was Oct 2008 at -10.9%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 5 months.

On a daily basis, SWOBX closed higher 51% of trading days. The best single day was Dec 29, 2022 with a return of +10.3%, while the worst single day was Dec 30, 2022 at -8.3%.

Schwab Balanced Fund™ has an annualized alpha of 2.20%, beta of 0.57, and R² of 0.83 versus S&P 500 Index. Calculated based on daily prices since January 03, 1997.

• This fund participated in 65.55% of S&P 500 Index downside but only 64.85% of its upside — more exposed to losses than it benefited from rallies.
• This fund generated an annualized alpha of 2.20% versus S&P 500 Index — delivering returns beyond what market exposure alone would predict.
• 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.

SWOBX has an expense ratio of 0.00%, meaning no management fees are charged.

SWOBX ranks 46 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.

The table below present risk-adjusted performance metrics for Schwab Balanced Fund™ (SWOBX) and compare them to a chosen benchmark (S&P 500 Index).

Schwab Balanced Fund™ provided a 5.75% dividend yield over the last twelve months, with an annual payout of $0.98 per share.

The table displays the monthly dividend distributions for Schwab Balanced Fund™. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

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.

The table below displays the maximum drawdowns of the Schwab Balanced 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 Balanced Fund™ was 35.99%, occurring on Mar 9, 2009. Recovery took 484 trading sessions.

The current Schwab Balanced Fund™ drawdown is 6.58%.

The chart below shows the rolling one-month volatility.